Senior Backend Engineer (R&D)

Who we are

Moniepoint is an all-in-one financial services platform for emerging markets and the second-fastest growing company in Africa.
Since 2019, Moniepoint’s technology has powered over 3 million people, offering personal and business banking, payment, credit and business management tools to help them succeed. Moniepoint processed $182 billion in 2023, and currently processes the majority of the POS transactions in Nigeria.

About the role

Engineering at Moniepoint is an inspired, customer-focused community committed to pushing the boundaries of what is possible. Our RD team takes this even further—leading exploration, experimentation, and innovation efforts that inform the entire organization.

Our Research Development (RD) team operates at the group level, driving innovation, guiding technical strategy, and shaping the next generation of financial technology across all our business units. This is a rare opportunity to work at the center of our most forward-thinking initiatives, helping us imagine, design, and build what comes next. You will work on projects that span multiple domains, from designing next-generation architectures to powering new business lines, modernizing infrastructure, and shaping future-facing strategies around AI, security, KYC, automation, and more.

If you’re excited about solving complex problems, experimenting with cutting-edge technologies, and building the future of fintech from the ground up, this role is for you.

Curious about what makes Moniepoint an incredible place to work? Check out posts on how we cultivate a culture of innovation, teamwork, and growth.

What You'll Be Doing

• Collaborate on ideation, prototyping, and execution of new revenue-generating products and businesses.
• Lead early-stage technical design and market-fit experiments.
• Design scalable, production-ready backend systems.
• Spearhead key initiatives such as implementing an API Gateway, rethinking architecture patterns, and modernizing our CI/CD and security infrastructure.
• Contribute to group-wide strategies in areas like AI adoption, KYC modernization, change management, and long-term technical planning.
• Partner with multiple business units to align RD outcomes with group objectives.
• Identify inefficiencies and transform existing workflows, systems, and tools to boost operational excellence.
• Drive developer experience improvements through automation, refactoring, and standardization.
• Assess, experiment with, and recommend emerging technologies for adoption across the organization.
• Support engineering teams with innovation initiatives and guide toolchain modernization.
• Write clean, maintainable, well-documented code with a focus on reliability and testability.
• Debug complex issues and provide technical guidance across multiple stacks.
• Participate in code reviews, architectural discussions, and knowledge-sharing sessions.
• Document systems, decisions, experiments, and methodologies to support transparency across teams.

What We're Looking For

We’re seeking innovative, curious, and highly skilled engineers who are driven to build what doesn’t yet exist. You thrive at the intersection of research and execution while being comfortable exploring cutting-edge ideas and grounding them in strong engineering principles.

• Strong backend engineering expertise, with the ability to design and implement scalable, reliable systems from scratch.
• Energized by ideation, rapid prototyping, and validating new business opportunities through technical experimentation.
• Strategic mindset and can contribute to architecture evolution, including API gateways, CI/CD modernization, security enhancements, and platform-wide improvements.
• Comfortable working across multiple domains including AI, KYC, infrastructure, automation, change management, and can adapt quickly as priorities evolve.
• Partners with diverse stakeholders across business units to align technology initiatives with organizational goals.
• Keen eye for identifying inefficiencies and a passion for modernizing processes, tool chains, and developer workflows.
• Debugs complex issues, providing technical leadership across stacks, and elevating engineering standards.
• Excels at documentation and transparency, ensuring that experiments, decisions, and systems are well-understood across teams.

If you are a builder, a systems thinker, and a technologist who loves exploring what’s next, we’d love to have you help shape the future of Moniepoint.

What we can offer you

• Culture - We put our people first and prioritize the well-being of every team member. We’ve built a company where all opinions carry weight and where all voices are heard. We value and respect each other and always look out for one another. Above all, we are human.
• Learning - We have a learning and development-focused environment with an emphasis on knowledge sharing, training, and regular internal technical talks.
• Compensation - You’ll receive an attractive salary, pension, health insurance, paid leave plus other benefits.

What to expect in the hiring process

Our interview process is designed to be thoughtful, transparent, and candidate-friendly, allowing you to showcase your strengths while getting to know us better:

• Initial Conversation:A brief introductory call with our recruiter to learn more about your background, career goals, and to share insights about the role and our team.
• Technical Assessment: A practical, take-home assessment follow by a discussion with an interviewer on a call.
• System Design Interview: A focused session with our Engineering Team, where we'll explore system design, architecture, and problem-solving approaches.
• Final Interview: A combined technical and behavioural conversation with a member of our Executive Team, aimed at understanding your alignment with our values, vision, and culture

Moniepoint is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees and candidates.