Software Engineer - Lending at FairMoney

Role Overview

• As an Intermediate Software Engineer (RCL), you will be responsible for designing, developing, testing, and maintaining reliable backend services that power FairMoney's products and platforms.
• You will work closely with other engineers and cross-functional teams to build scalable backend solutions, design robust APIs, work with relational databases, and ensure high standards of code quality and reliability.
• This is a remote / in-office role, giving you the flexibility to work remotely while also having the option to work from the office.

Key Responsibilities
Backend Development:

• Design, develop, and maintain scalable and reliable backend services.
• Write clean, maintainable, and production-ready code.
• Build and improve backend services that support FairMoney's financial products.
• Work with backend technologies and programming languages such as Golang and Ruby on Rails (RoR).
• Troubleshoot, debug, and resolve technical issues.
• Participate in code reviews and contribute to engineering best practices.

API Design & Integration:

• Design, develop, and maintain secure and scalable APIs.
• Ensure APIs are well-structured, documented, reliable, and easy to consume.
• Integrate backend services with internal and external systems.
• Consider performance, security, scalability, and maintainability when designing APIs.

Relational Databases:

• Design and work with relational database schemas.
• Work with relational databases such as PostgreSQL and MySQL.
• Write efficient SQL queries and optimise database performance.
• Ensure data integrity, consistency, and reliability.
• Identify and resolve database-related performance issues.
• Work with large and growing datasets while considering scalability.

Testing & Quality:

• Write and maintain unit and integration tests for backend services.
• Follow strong testing practices to ensure code reliability and prevent regressions.
• Participate in automated testing and continuous integration processes.
• Take ownership of the quality and reliability of the services you build.

AI-Native Development:

• Use AI-powered development tools to improve engineering productivity, code quality, debugging, testing, and problem-solving.
• Apply prompt engineering techniques to effectively work with AI tools for software development.
• Stay up to date with emerging AI-assisted software engineering practices and incorporate relevant tools into your workflow.

Collaboration & Ownership:

• Collaborate with Product, Engineering, Data, and other teams to understand requirements and deliver effective technical solutions.
• Participate in technical planning, design discussions, and architecture decisions.
• Proactively identify technical improvements and contribute to the evolution of FairMoney's engineering practices.
• Take ownership of assigned projects from development through deployment and maintenance.

Requirements

• 4 - 5 years of professional backend software engineering experience.
• Strong experience building and maintaining backend applications and services.
• Strong experience with backend programming languages such as Golang and/or Ruby on Rails (RoR).
• Solid experience working with relational databases, particularly PostgreSQL and/or MySQL.
• Strong understanding and practical experience with API design and development.
• Strong testing discipline, including experience with unit and integration testing.
• Ability to write clean, maintainable, scalable, and well-tested code.
• Good understanding of software engineering principles, data structures, and algorithms.
• Experience with Git and modern software development workflows.
• Strong problem-solving and debugging skills.
• Ability to work effectively in a collaborative engineering environment.
• Experience working with AI development tools and prompt engineering is a plus.
• Experience with fintech, banking, lending, or other financial products is a plus.

Nice to Have:

• Experience in lending, credit, payments, or another regulated financial domain.
• Experience with event-driven architectures, messaging systems, and asynchronous processing at scale.
• Experience working with high-volume transactional systems.
• Experience with observability and performance monitoring tools.
• Experience working with distributed or highly scalable systems.
• Experience using AI tools as part of day-to-day software development.

Benefits

• Competitive pay
• Paid annual leave
• A network of talented colleagues
• Remote / in-office work flexibility
• Opportunity to work with a diverse, international team
• Opportunity to build technology that impacts financial services across emerging markets.