Senior Software Engineer (RCL)

Job Overview

FairMoney is looking for a Senior Software Engineer to join its engineering team in Lagos and build reliable, scalable systems that power lending and credit products. The role focuses on backend services, distributed systems, and data-intensive applications, with particular attention to performance, reliability, and scalability.

The position suits an engineer with strong backend experience and an understanding of how to design systems that operate reliably at scale, particularly in lending, credit, fintech, or other high-volume financial environments.

Job Details

Employer: FairMoney
Experience: 5+ years of professional software engineering experience
Job Field: ICT / Computer
Department: Engineering
Job Level: Senior
Location: Lagos, Nigeria
Application Deadline: Not specified

About the Organization

FairMoney is a mobile banking institution specialising in extending credit to emerging markets. Established in 2017, the company operates primarily in Nigeria and has secured nearly €50 million in funding from global investors including Tiger Global, DST, and Flourish Ventures.

FairMoney is building a mobile banking platform and point-of-sale solution for emerging markets. Its services began with a digital microcredit application for Android and iOS and have expanded to include current accounts, savings accounts, debit cards, and point-of-sale solutions for merchants and agents.

The company has a diverse workforce representing more than 27 nationalities and works to reshape financial services for underserved communities.

Responsibilities

• Design, build, and maintain scalable backend services and distributed systems.
• Develop reliable APIs and services supporting lending and credit-related products.
• Design, optimise, and maintain relational databases and data models.
• Identify and resolve performance, scalability, and reliability bottlenecks.
• Contribute to architectural decisions and technical design discussions.
• Build systems with strong consideration for availability, fault tolerance, security, and data consistency.
• Work with Product, Data, Risk, and other Engineering teams to deliver solutions.
• Review code, provide technical guidance, and contribute to engineering best practices.
• Investigate and resolve complex production issues.
• Improve system observability, monitoring, and overall operational reliability.
• Mentor other engineers and contribute to a strong engineering culture.

Requirements and Qualifications

• At least 5 years of professional software engineering experience, including strong backend development experience.
• Strong experience designing and building distributed systems and scalable backend applications.
• Experience in lending, credit, fintech, payments, or a closely related financial domain.
• Strong understanding of relational database design, indexing, query optimisation, and performance tuning.
• Experience designing and consuming RESTful APIs and working with service-oriented or microservices architectures.
• Strong understanding of software engineering principles, system design, and data structures.
• Experience with cloud infrastructure and modern development and deployment practices.
• Strong problem-solving and debugging skills.
• Experience with automated testing, CI/CD, and production software development.
• Ability to work effectively in a collaborative, fast-paced engineering environment.

Nice to Have

• Experience building or scaling credit decisioning, loan management, repayment, or risk-related systems.
• Experience with event-driven architectures, messaging systems, and asynchronous processing.
• Experience working with high-volume transactional systems.
• Experience with observability and performance monitoring tools.
• Experience mentoring engineers or providing technical leadership.

Benefits

Recruitment Process

1. HR screening: 30 minutes.
2. Hiring manager interview: 30 minutes.
3. Technical interview with the Engineering team: 60 minutes.

Quick Eligibility Check

• Required experience: 5+ years of professional software engineering experience
• Verified duty station: Lagos, Nigeria
• Core requirement: Strong backend development experience
• Core requirement: Experience designing distributed systems and scalable backend applications
• Core requirement: Experience in lending, credit, fintech, payments, or a closely related financial domain
• Core requirement: Experience with cloud infrastructure and modern development and deployment practices
• Preferred requirement: Experience with event-driven architectures, messaging systems, and asynchronous processing
• Preferred requirement: Experience working with high-volume transactional systems
• Preferred requirement: Experience mentoring engineers or providing technical leadership

Application Readiness Checklist

• Show evidence of the required experience through relevant roles, dates and measurable responsibilities.
• Tailor your CV to demonstrate experience in backend development, distributed systems, RESTful APIs, microservices, relational-database optimization, CI/CD, cloud infrastructure and production-system reliability.
• Confirm that the vacancy is still open before submitting your application.

Vacancy Verification

This vacancy was checked by AfriJobSpace on September 23, 2026 against the employer’s official recruitment source. View the official vacancy source.

Application Safety

Apply only through the verified application channel provided on this page. Do not pay anyone to submit or process your application. Verify unexpected recruitment messages with the named employer or authorized recruiter through an independently confirmed contact channel.

How to Apply

Interested and qualified candidates should submit their application through FairMoney’s verified recruitment channel using the Apply for Job button on this page.