Jobs at FairMoney

Role Overview

• As a Senior Software Engineer, you will play a key role in designing and building scalable backend and platform services that power FairMoney's financial products.
• You will work on complex distributed systems and financial processes, contribute to architectural and technology decisions, and help build a reliable platform that can support millions of customers across multiple markets.
• You will also contribute to engineering best practices, mentor other engineers, and take ownership of medium to large-sized technical projects from design through deployment.

What You Will Work On

• Develop high-quality backend features in collaboration with the Product team to better serve our customers.
• Build and evolve platform services that allow individual markets to implement specific features while maintaining a strong common core product.
• Design and develop scalable solutions for complex financial processes using appropriate architectural patterns.
• Drive architecture and technology decisions that enable a reliable and high-quality customer experience.
• Design, develop, and deploy medium to large-sized projects.
• Build and maintain distributed systems and platform services that are reliable, scalable, and resilient.
• Design and improve relational database schemas, ensuring data integrity, performance, and scalability.
• Contribute to engineering best practices, coding standards, code reviews, testing, and operational excellence.
• Provide technical mentorship and guidance to other members of the engineering team.
• Contribute to continuous improvements across infrastructure supporting millions of customers.
• Analyze and improve the efficiency, scalability, and stability of monitoring, CI/CD, and platform integrations.
• Work closely with other engineering teams and stakeholders to identify technical requirements and deliver effective solutions.

Technical Stack:

• Customer-facing product: Android and iOS apps – Kotlin KMP.
• Backend: Golang and Ruby on Rails.
• Background processing & testing: Sidekiq, Temporal (Golang), RSpec.
• ML pipeline: Python / Flask API.
• Cloud: AWS.
• Infrastructure: Kubernetes, SNS, SQS, Lambdas.
• Databases: RDS Aurora MySQL, PostgreSQL, DynamoDB.
• Storage & streaming: S3, Kinesis, Kafka.
• Data warehouse: GCP, GCS, BigQuery, Cloud Composer.
• CI/CD: GitHub Actions.
• Full-stack / Frontend (Good to Have): React Native, Next.js, and modern web development technologies.

Requirements
Must-Have Qualifications

• 5+ years of professional backend software development experience.
• Strong experience designing and building distributed systems.
• Experience building and maintaining platform services or shared backend infrastructure.
• Strong experience with relational database design, including schema design, data modelling, SQL, indexing, and performance optimization.
• Strong experience with Golang and backend development.
• Experience designing scalable, reliable, and maintainable backend systems.
• Strong understanding of software engineering principles, system design, and object-oriented design.
• Good problem-solving skills and the ability to work on complex technical challenges.
• Good verbal and written communication skills.

Preferred Qualifications:

• Experience building and delivering complex software systems used by customers at scale.
• Strong understanding of professional software engineering practices across the full software development lifecycle, including coding standards, code reviews, source control, testing, build processes, and operations.
• Experience with microservices and distributed architectures.
• Experience with cloud providers, preferably AWS, alternatively GCP or Azure.
• Experience with high-volume systems and designing for scalability, availability, and resilience.
• Experience communicating with users, technical teams, and management to gather requirements and translate them into technical designs and specifications.
• Experience in fintech, banking, lending, or other financial services is a plus.
• Experience mentoring engineers and contributing to technical direction is a plus.
• Comfortable working with AI-native development tools.
• Full-stack experience is a plus, particularly with React Native, Next.js, or modern web development technologies.

Benefits

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

Recruitment Process:

• Introductory call with members of the hiring team – 30 mins.
• Technical interviews with members of the Engineering team – 45–60 mins.

go to method of application »

Description

• The Senior Relationship Manager – Business Banking is primarily responsible for driving merchant and business lending sales, with a strong focus on growing the loan book profitably across assigned merchant segments.
• The role combines aggressive loan origination, disciplined portfolio management, and transaction-led merchant engagement through online and offline payment solutions (POS). Relationship management is leveraged to drive lending penetration, utilization, and repayment performance.

Key Responsibilities
Merchant & Business Lending:

• Originate and close merchant and SME loan deals across key sectors including FMCG, Mobile & Electronics, Fashion, household Goods, Building Materials, retail chains, amongst others.
• Own end-to-end loan sales execution: prospecting, on-boarding, credit documentation, disbursement coordination, and post-disbursement monitoring.
• Build, grow, and actively manage a high-quality loan book, ensuring strong utilization, healthy repayment behavior, and minimal delinquency.
• Drive repeat borrowing and loan up-sell by deepening lending penetration within existing merchant portfolios.
• Work closely with credit and risk teams to ensure quality underwriting while meeting aggressive lending targets.
• Achieve and exceed assigned loan volume, loan value, and portfolio growth targets for the region.

Portfolio, Performance & Market Management:

• Monitor daily, weekly, and monthly KPIs across loan disbursement, portfolio quality, repayment, and transactions.
• Actively drive to meet and exceed lending and payments performance targets.
• Conduct regular merchant visits to drive loan performance, address risks early, and unlock new lending opportunities.
• Track market and competitor lending trends and provide insights to management to improve product and pricing strategies.

Offline Payments Acquiring:

• Drive adoption of offline payment solutions (POS terminals) as an enabler for lending and transaction visibility.
• Ensure lending merchants actively process transactions via POS to support credit assessment and repayment tracking.
• Monitor merchant activity, follow up on inactive terminals, and coordinate POS retrieval when required.
• Grow regional transaction volume, value, and revenue in alignment with lending objectives.

Requirements

• Bachelor’s Degree in Sales, Marketing, Finance, Business Administration, or a related discipline.
• 8+ years of experience in merchant lending, SME lending, business banking, or fintech credit sales.
• Strong understanding of cashflow-based lending, merchant underwriting, and loan portfolio management.
• Experience acquiring and managing a lending portfolio of a minimum of N2B+
• Proven track record of loan book growth and sales target achievement.
• Highly results-driven, commercially minded, and execution-focused.
• Excellent communication, negotiation, and relationship management skills.

Benefits

• Private Health Insurance
• Performance Bonus
• Pension Plan
• Training & Development.

Recruitment Proces

• A screening call with a member of the recruitment team for 30 minutes.
• Technical interview with the hiring manager for 30 to 60 minutes.

go to method of application »

Description

• The Senior Relationship Manager – Business Banking is primarily responsible for driving merchant and business lending sales, with a strong focus on growing the loan book profitably across assigned merchant segments.
• The role combines aggressive loan origination, disciplined portfolio management, and transaction-led merchant engagement through online and offline payment solutions (POS). Relationship management is leveraged to drive lending penetration, utilization, and repayment performance.

Key Responsibilities
Merchant & Business Lending:

• Originate and close merchant and SME loan deals across key sectors including FMCG, Mobile & Electronics, Fashion, household Goods, Building Materials, retail chains, amongst others.
• Own end-to-end loan sales execution: prospecting, on-boarding, credit documentation, disbursement coordination, and post-disbursement monitoring.
• Build, grow, and actively manage a high-quality loan book, ensuring strong utilization, healthy repayment behavior, and minimal delinquency.
• Drive repeat borrowing and loan up-sell by deepening lending penetration within existing merchant portfolios.
• Work closely with credit and risk teams to ensure quality underwriting while meeting aggressive lending targets.
• Achieve and exceed assigned loan volume, loan value, and portfolio growth targets for the region.

Portfolio, Performance & Market Management:

• Monitor daily, weekly, and monthly KPIs across loan disbursement, portfolio quality, repayment, and transactions.
• Actively drive to meet and exceed lending and payments performance targets.
• Conduct regular merchant visits to drive loan performance, address risks early, and unlock new lending opportunities.
• Track market and competitor lending trends and provide insights to management to improve product and pricing strategies.

Offline Payments Acquiring:

• Drive adoption of offline payment solutions (POS terminals) as an enabler for lending and transaction visibility.
• Ensure lending merchants actively process transactions via POS to support credit assessment and repayment tracking.
• Monitor merchant activity, follow up on inactive terminals, and coordinate POS retrieval when required.
• Grow regional transaction volume, value, and revenue in alignment with lending objectives.

Requirements

• Bachelor’s Degree in Sales, Marketing, Finance, Business Administration, or a related discipline.
• 8+ years of experience in merchant lending, SME lending, business banking, or fintech credit sales.
• Strong understanding of cashflow-based lending, merchant underwriting, and loan portfolio management.
• Experience acquiring and managing a lending portfolio of a minimum of N2B+
• Proven track record of loan book growth and sales target achievement.
• Highly results-driven, commercially minded, and execution-focused.
• Excellent communication, negotiation, and relationship management skills.

Benefits

• Private Health Insurance
• Performance Bonus
• Pension Plan
• Training & Development.

Recruitment Proces

• A screening call with a member of the recruitment team for 30 minutes.
• Technical interview with the hiring manager for 30 to 60 minutes.

go to method of application »

Description

• The Senior Relationship Manager – Business Banking is primarily responsible for driving merchant and business lending sales, with a strong focus on growing the loan book profitably across assigned merchant segments.
• The role combines aggressive loan origination, disciplined portfolio management, and transaction-led merchant engagement through online and offline payment solutions (POS). Relationship management is leveraged to drive lending penetration, utilization, and repayment performance.

Key Responsibilities
Merchant & Business Lending:

• Originate and close merchant and SME loan deals across key sectors including FMCG, Mobile & Electronics, Fashion, household Goods, Building Materials, retail chains, amongst others.
• Own end-to-end loan sales execution: prospecting, on-boarding, credit documentation, disbursement coordination, and post-disbursement monitoring.
• Build, grow, and actively manage a high-quality loan book, ensuring strong utilization, healthy repayment behavior, and minimal delinquency.
• Drive repeat borrowing and loan up-sell by deepening lending penetration within existing merchant portfolios.
• Work closely with credit and risk teams to ensure quality underwriting while meeting aggressive lending targets.
• Achieve and exceed assigned loan volume, loan value, and portfolio growth targets for the region.

Portfolio, Performance & Market Management:

• Monitor daily, weekly, and monthly KPIs across loan disbursement, portfolio quality, repayment, and transactions.
• Actively drive to meet and exceed lending and payments performance targets.
• Conduct regular merchant visits to drive loan performance, address risks early, and unlock new lending opportunities.
• Track market and competitor lending trends and provide insights to management to improve product and pricing strategies.

Offline Payments Acquiring:

• Drive adoption of offline payment solutions (POS terminals) as an enabler for lending and transaction visibility.
• Ensure lending merchants actively process transactions via POS to support credit assessment and repayment tracking.
• Monitor merchant activity, follow up on inactive terminals, and coordinate POS retrieval when required.
• Grow regional transaction volume, value, and revenue in alignment with lending objectives.

Requirements

• Bachelor’s Degree in Sales, Marketing, Finance, Business Administration, or a related discipline.
• 8+ years of experience in merchant lending, SME lending, business banking, or fintech credit sales.
• Strong understanding of cashflow-based lending, merchant underwriting, and loan portfolio management.
• Experience acquiring and managing a lending portfolio of a minimum of N2B+
• Proven track record of loan book growth and sales target achievement.
• Highly results-driven, commercially minded, and execution-focused.
• Excellent communication, negotiation, and relationship management skills.

Benefits

• Private Health Insurance
• Performance Bonus
• Pension Plan
• Training & Development.

Recruitment Proces

• A screening call with a member of the recruitment team for 30 minutes.
• Technical interview with the hiring manager for 30 to 60 minutes.

go to method of application »

Description

• The Senior Relationship Manager – Business Banking is primarily responsible for driving merchant and business lending sales, with a strong focus on growing the loan book profitably across assigned merchant segments.
• The role combines aggressive loan origination, disciplined portfolio management, and transaction-led merchant engagement through online and offline payment solutions (POS). Relationship management is leveraged to drive lending penetration, utilization, and repayment performance.

Key Responsibilities
Merchant & Business Lending:

• Originate and close merchant and SME loan deals across key sectors including FMCG, Mobile & Electronics, Fashion, household Goods, Building Materials, retail chains, amongst others.
• Own end-to-end loan sales execution: prospecting, on-boarding, credit documentation, disbursement coordination, and post-disbursement monitoring.
• Build, grow, and actively manage a high-quality loan book, ensuring strong utilization, healthy repayment behavior, and minimal delinquency.
• Drive repeat borrowing and loan up-sell by deepening lending penetration within existing merchant portfolios.
• Work closely with credit and risk teams to ensure quality underwriting while meeting aggressive lending targets.
• Achieve and exceed assigned loan volume, loan value, and portfolio growth targets for the region.

Portfolio, Performance & Market Management:

• Monitor daily, weekly, and monthly KPIs across loan disbursement, portfolio quality, repayment, and transactions.
• Actively drive to meet and exceed lending and payments performance targets.
• Conduct regular merchant visits to drive loan performance, address risks early, and unlock new lending opportunities.
• Track market and competitor lending trends and provide insights to management to improve product and pricing strategies.

Offline Payments Acquiring:

• Drive adoption of offline payment solutions (POS terminals) as an enabler for lending and transaction visibility.
• Ensure lending merchants actively process transactions via POS to support credit assessment and repayment tracking.
• Monitor merchant activity, follow up on inactive terminals, and coordinate POS retrieval when required.
• Grow regional transaction volume, value, and revenue in alignment with lending objectives.

Requirements

• Bachelor’s Degree in Sales, Marketing, Finance, Business Administration, or a related discipline.
• 8+ years of experience in merchant lending, SME lending, business banking, or fintech credit sales.
• Strong understanding of cashflow-based lending, merchant underwriting, and loan portfolio management.
• Experience acquiring and managing a lending portfolio of a minimum of N2B+
• Proven track record of loan book growth and sales target achievement.
• Highly results-driven, commercially minded, and execution-focused.
• Excellent communication, negotiation, and relationship management skills.

Benefits

• Private Health Insurance
• Performance Bonus
• Pension Plan
• Training & Development.

Recruitment Proces

• A screening call with a member of the recruitment team for 30 minutes.
• Technical interview with the hiring manager for 30 to 60 minutes.

go to method of application »

Description

• The Senior Relationship Manager – Business Banking is primarily responsible for driving merchant and business lending sales, with a strong focus on growing the loan book profitably across assigned merchant segments.
• The role combines aggressive loan origination, disciplined portfolio management, and transaction-led merchant engagement through online and offline payment solutions (POS). Relationship management is leveraged to drive lending penetration, utilization, and repayment performance.

Key Responsibilities
Merchant & Business Lending:

• Originate and close merchant and SME loan deals across key sectors including FMCG, Mobile & Electronics, Fashion, household Goods, Building Materials, retail chains, amongst others.
• Own end-to-end loan sales execution: prospecting, on-boarding, credit documentation, disbursement coordination, and post-disbursement monitoring.
• Build, grow, and actively manage a high-quality loan book, ensuring strong utilization, healthy repayment behavior, and minimal delinquency.
• Drive repeat borrowing and loan up-sell by deepening lending penetration within existing merchant portfolios.
• Work closely with credit and risk teams to ensure quality underwriting while meeting aggressive lending targets.
• Achieve and exceed assigned loan volume, loan value, and portfolio growth targets for the region.

Portfolio, Performance & Market Management:

• Monitor daily, weekly, and monthly KPIs across loan disbursement, portfolio quality, repayment, and transactions.
• Actively drive to meet and exceed lending and payments performance targets.
• Conduct regular merchant visits to drive loan performance, address risks early, and unlock new lending opportunities.
• Track market and competitor lending trends and provide insights to management to improve product and pricing strategies.

Offline Payments Acquiring:

• Drive adoption of offline payment solutions (POS terminals) as an enabler for lending and transaction visibility.
• Ensure lending merchants actively process transactions via POS to support credit assessment and repayment tracking.
• Monitor merchant activity, follow up on inactive terminals, and coordinate POS retrieval when required.
• Grow regional transaction volume, value, and revenue in alignment with lending objectives.

Requirements

• Bachelor’s Degree in Sales, Marketing, Finance, Business Administration, or a related discipline.
• 8+ years of experience in merchant lending, SME lending, business banking, or fintech credit sales.
• Strong understanding of cashflow-based lending, merchant underwriting, and loan portfolio management.
• Experience acquiring and managing a lending portfolio of a minimum of N2B+
• Proven track record of loan book growth and sales target achievement.
• Highly results-driven, commercially minded, and execution-focused.
• Excellent communication, negotiation, and relationship management skills.

Benefits

• Private Health Insurance
• Performance Bonus
• Pension Plan
• Training & Development.

Recruitment Proces

• A screening call with a member of the recruitment team for 30 minutes.
• Technical interview with the hiring manager for 30 to 60 minutes.