FairMoney is building the leading mobile bank for emerging markets. We started with a digital microcredit application on Android, and currently roll out additional financial services (current account, savings, debit card) while expanding the product to Western Africa and South-East Asia.

We are recruiting to fill the position below:

Job Title: Senior Software Engineer (Identity)

Location: Lagos (Hybrid)

Description

• We are looking for a Senior Software Engineer to build the core systems everything else depends on – identity verification, KYC, authentication, payments, transactions, and mobile app flows.
• Above all, we value ownership, responsibility, and autonomy. We give you space to lead projects from start to finish without micromanagement.

What You’ll Do

• Take full ownership: Lead complex technical projects end-to-end—from system design through implementation, testing, deployment, and maintenance. You carry the pager for what you build.
• Scale core banking: Build and maintain reliable distributed systems backing payments, ledgers, and mobile app APIs for millions of customers across multiple markets.
• Navigate regulation: Work closely with Product, Risk, and Compliance teams—here, requirements often arrive as regulations that need to be turned into simple, secure software.
• Leverage modern AI tools: Integrate AI coding agents (like Claude Code) into your daily workflow to increase throughput and improve how quickly and safely we ship.
• Technical standards & mentorship: Contribute to architecture, engineering standards, and code reviews while mentoring other engineers.

Our Technical Stack:

• Languages: Go, Ruby
• Database & Cloud: PostgreSQL, AWS
• Tooling: GitHub, Claude Code

Requirements

• Autonomy & Responsibility: You thrive with high trust and low supervision, taking full accountability for your engineering results and technical decisions.
• Product Mindset: You use the products you build and speak up when something can be better. We want engineers who propose improvements rather than wait for tickets and who care about best-in-class UX as much as a clean API.
• Backend Systems: You have 3+ years of backend engineering experience, with a solid foundation in software engineering principles, system design, CI/CD, and building and running distributed systems where reliability and security are critical.
• Identity & Risk: Experience working in Identity, KYC, fraud, authentication, or related domains, ideally within financial services.
• Language Flexibility: Experience with Go, or deep backend experience in another language with a willingness to transition to Go and explore other programming languages whenever a project calls for it.
• Structured Communication: Clear, simple, and structured communication skills—both oral and written.
• Practical AI Usage: Hands-on experience using AI coding assistants and LLM-assisted development workflows to improve productivity and software delivery.
• Grow into Leadership: Interest and potential to take on people leadership and team management in the future as our operations expand.

Benefits

• Private Health Insurance
• Pension Plan
• Paid Time Off
• Training & Development.

Application Closing Date
Not Specified.