Latest Jobs at Moniepoint Inc. (Formerly TeamApt Inc.)

About the Role

• As a Mobile Architect (POS-Terminal) at Moniepoint, you will be responsible for designing and leading the architecture of our POS terminal solutions across multiple platforms.
• You will ensure the scalability, security, performance, and reliability of our POS systems and related applications, including mobile apps for repair scheduling and maintenance. 
• While the majority of our terminals are currently based on Android Native, your expertise in cross-platform solutions (e.g., Flutter, C, JavaScript) will be crucial as we expand and diversify our portfolio.
• You’ll play a critical role in shaping the direction of our POS-related products, collaborating with cross-functional teams, and ensuring the technical vision aligns with the company’s broader strategic goals.

Responsibilties

What you will do:

• Lead the design and architecture of POS terminal solutions, ensuring security, scalability, performance, and integration with various hardware and payment systems.
• Develop and maintain architectural documents and diagrams for POS terminal systems, ensuring all platforms are well documented and up to date.
• Make architectural decisions on POS terminal software, integrating various payment technologies, EMV standards, and ensuring hardware compatibility.
• Lead the development of POS-related applications
• Optimize system performance and security, particularly around payment processing and EMV protocols.
• Participate in planning sessions with product and engineering teams to ensure solutions meet market needs and business goals.
• Conduct code reviews and ensure best practices for mobile and embedded systems development, especially for Android Native development.
• Define and enforce software engineering best practices across the POS and related teams to improve efficiency and developer productivity.
• Ensure the stability and reliability of POS terminal products and applications, monitoring system performance and troubleshooting as necessary.
• Provide technical mentorship to engineering teams, helping them grow their skills and contribute to the broader technical vision.
• Participate in the hiring process, screening engineers with expertise in POS systems, mobile, and embedded development.

Requirements

• To succeed in this role, we think you should have:
• At least 5 years of experience in system design, architecture, and development, specifically in the POS terminal domain.
• Strong expertise in Android Native development (Java/Kotlin), with a deep understanding of Android-based POS terminal solutions.
• Experience in cross-platform mobile development, such as Flutter, and familiarity with other POS application platforms (e.g., C, JavaScript) is a plus.
• Strong knowledge of EMV (Europay, Mastercard, and Visa) security protocols, including chip-based transactions, encryption, and key management.
• Experience with hardware integration for POS devices, such as card readers, pin pads, printers, and other peripherals.
• Deep understanding of payment systems architecture, including integration with payment processors and gateways.
• Knowledge of software quality assurance principles and their application in financial systems.
• Excellent problem-solving skills with an ability to manage complex system interactions and adapt to changing requirements.
• Strong communication skills, capable of presenting complex technical concepts clearly to both technical and non-technical stakeholders.
• Leadership abilities with a focus on mentoring engineers and driving process improvements within the team.

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About the Role

• The Portfolio Manager is responsible for overseeing the loan portfolio and leading a team of Field Credit Officers within a specific state. 
• This role involves setting performance targets, ensuring credit risk is managed effectively, maintaining a healthy loan portfolio, and driving growth of the business and loan products. 
• The Portfolio Manager will collaborate closely with other departments (Products, Risk, Operations, etc.) to uphold credit policies and ensure successful loan disbursement and repayment.

Key Responsibilities

Team Leadership and Management:

• Supervise, mentor, and provide guidance to Field Credit Officers (FCOs) within the assigned state.
• Set and communicate clear performance goals and objectives for the FCOs, ensuring alignment with the company’s overall targets and strategy.
• Conduct regular performance reviews, identify training needs, and foster professional growth among team members.

Portfolio Oversight and Growth:

• Develop and implement strategies to grow a robust and profitable loan portfolio in the assigned state.
• Monitor and analyze overall portfolio performance, including loan approvals, disbursements, and repayments, to ensure targets are met.
• Identify trends and potential risks, taking proactive measures to mitigate any issues that could impact portfolio health.

Credit Risk Management:

• Ensure adherence to the organization’s credit policies and procedures.
• Review and approve on loan applications recommended by FCOs, providing final credit decisions where necessary.
• Conduct periodic credit risk assessments and collaborate with the Regional Credit Manager and VP, Credit Portfolio Management to refine and enhance credit evaluation frameworks.

Compliance and Reporting:

• Maintain compliance with regulatory requirements and internal policies related to credit operations and portfolio management.
• Prepare and present regular portfolio performance reports to Regional Credit Manager and VP, Credit Portfolio Management, highlighting key metrics, trends, and recommendations for improvement.
• Ensure all documentation and records are accurate, up-to-date, and in line with compliance standards.

Stakeholder Engagement:

• Collaborate with cross-functional teams (Products, Operations, Risk, etc.) to ensure seamless loan disbursement and servicing processes.
• Develop and maintain strong relationships with business clients and community stakeholders to enhance the company’s market presence.
• Address and resolve escalated customer issues and inquiries related to the loan portfolio.

Process Improvement:

• Identify process gaps and inefficiencies within credit administration, making recommendations for system and process enhancements.
• Stay informed of industry best practices, market trends, and competitor activities, adapting strategies as needed.

Qualifications

• Bachelor’s Degree (or higher) in Business, Finance, Economics, or a related field
• Minimum of 4-5 years of relevant experience in lending, credit, or portfolio management, with at least 2 years in a supervisory role.
• Demonstrable experience in credit risk analysis and financial analysis.
• Strong knowledge of regulatory requirements and compliance in the financial sector.
• Proven track record in managing and growing a loan portfolio in a fast-paced environment.
• Must be resident in the state of responsibility.

Relevant Skills:

• Leadership & Team Management
• Analytical & Problem-Solving Skills
• Communication & Interpersonal Skills
• Strategic Thinking & Planning
• Attention to Detail
• Technology Proficiency

Other Requirements:

• High degree of integrity, professionalism, and confidentiality when dealing with sensitive information.
• Flexibility to travel for client visits, team meetings, and on-site evaluations as needed.
• Proactive and results-driven mindset, with a commitment to continuous improvement.