Senior Software Engineer (RCL)

FairMoney is a pioneering mobile banking institution specializing in extending credit to emerging markets. Established in 2017, the company currently operates primarily within Nigeria, and it has secured nearly €50 million in funding from renowned global investors, including Tiger Global, DST, and Flourish Ventures.In alignment with its vision, FairMoney is actively constructing the foremost mobile banking platform and point-of-sale (POS) solution tailored for emerging markets. The journey began with the introduction of a digital microcredit application exclusively available on Android and iOS devices. Today, FairMoney has significantly expanded its range of services, encompassing a comprehensive suite of financial products, such as current accounts, savings accounts, debit cards, and state-of-the-art POS solutions designed to meet the needs of both merchants and agents.FairMoney thrives on its diverse workforce, bringing together talent from over 27 nationalities. This multicultural team drives the company's mission of reshaping financial services for underserved communities.To gain deeper insights into FairMoney's pivotal role in reshaping Africa's financial landscape, we invite you to watch informative video.About the RoleWe are looking for a Senior Software Engineer to join our engineering team and build reliable, scalable systems that power our lending and credit products. You'll work on backend services, distributed systems, and data-intensive applications, with a strong focus on performance, reliability, and scalability.This role is ideal for an engineer who has strong backend experience and understands how to design systems that operate reliably at scale, particularly within lending, credit, fintech, or other high-volume financial environments.RequirementsWhat You'll DoDesign, build, and maintain scalable backend services and distributed systemsDevelop reliable APIs and services that support lending and credit-related productsDesign, optimise, and maintain relational databases and data modelsIdentify and resolve performance, scalability, and reliability bottlenecksContribute to architectural decisions and technical design discussionsBuild systems with strong consideration for availability, fault tolerance, security, and data consistencyWork closely with Product, Data, Risk, and other Engineering teams to deliver impactful solutionsReview code, provide technical guidance, and contribute to engineering best practicesInvestigate and resolve complex production issuesImprove system observability, monitoring, and overall operational reliabilityMentor other engineers and contribute to a strong engineering cultureWhat We're Looking For5+ years of professional software engineering experience, with strong backend development experienceStrong experience designing and building distributed systems and scalable backend applicationsExperience working within lending, credit, fintech, payments, or a closely related financial domainStrong understanding of relational database design, indexing, query optimisation, and performance tuningExperience designing and consuming RESTful APIs and working with service-oriented or microservices architecturesStrong understanding of software engineering principles, system design, and data structuresExperience working with cloud infrastructure and modern development/deployment practicesStrong problem-solving and debugging skillsExperience with automated testing, CI/CD, and production software developmentAbility to work effectively in a collaborative, fast-paced engineering environmentNice to HaveExperience building or scaling credit decisioning, loan management, repayment, or risk-related systemsExperience with event-driven architectures, messaging systems, and asynchronous processingExperience working with high-volume transactional systemsExperience with observability and performance monitoring toolsExperience mentoring engineers or providing technical leadershipBenefitsPrivate Health InsurancePension PlanTraining & DevelopmentRemote workPaid Time OffRecruitment Process HR Screening: 30 minutesHiring Manager Interview: 30 minutesTechnical interview with the Engineering team: 60 minutes