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M-KOPA
Senior Backend Engineer - Asset Sales
City of Bristol Remote Solely 5-10 yrs exp Financial Services 3,417 employees
C#.NETEvent-Driven SystemsMicroservices ArchitectureAzure
Requirements
Candidates should have strong C#/.NET skills, experience with event-driven systems and microservices, and familiarity with cloud infrastructure and observability tools. The role also requires production and on-call ownership, comfort using AI tools in engineering workflows, and effective collaboration in distributed teams.
Job Description
Join our expanding engineering team!
We're hiring a permanent Senior Backend Engineer to join our Asset Sales group as we scale one of the most important parts of M-KOPA's FinTech platform. Build distributed, event-driven microservices and help shape what AI-native engineering looks like at M-KOPA.
The Impact 💚
Your code will directly power the systems that put smartphones and e-motorbikes into the hands of Every Day Earners across Africa. We've already helped over 10 million customers access more than $2 billion in credit. It's your chance to be part of something that's literally transforming lives across an entire continent 🌍
The Opportunity
🎯 Mission-driven engineering: Every service you build helps expand financial inclusion for under-banked populations
🏆 Global recognition: Join a company named by the Financial Times as one of Africa's fastest-growing companies for five consecutive years (2022–2026)
🚀 Scale challenges: Build backend systems serving millions across multiple African markets
🤖 AI-native from day one: We're actively embracing AI as part of the engineering craft, not bolting it on
🌍 Fully distributed: Work remotely with diverse teams across UK, Europe, and Africa
What You'll Do
At M-KOPA, you'll build and operate distributed C# and .NET microservices on Azure, working within an event-driven architecture at significant scale. This is an outcomes-driven role: we care far more about the value you create than where you sit or how many hours you're online. You'll own what you build end-to-end — from idea, through implementation and deployment, into production and iteration.
Technical Environment 💻
We're looking for a senior engineer who's curious, autonomous, and highly trusted. You're comfortable owning the entire software stack — including supporting infrastructure — throughout its lifecycle, and you see production data, not just deployment, as the real measure of "done."
Required Experience:
We create financial inclusion for the traditionally excluded through a fair, flexible, customer-centric financing model. We strive to drive greater inclusion of women, youth, and low-income communities.
Our Impact 💚
Our technology has created measurable change:
Why M-KOPA?
At M-KOPA, we empower our people to own their careers through diverse development programs, coaching partnerships, and on-the-job training. We support individual journeys with family-friendly policies, prioritize well-being, and embrace flexibility.
Join us in shaping the future of M-KOPA as we grow together. Explore more at m-kopa.com.
Recognized four times by the Financial Times as one Africa's fastest growing companies (2022, 2023, 2024, 2025 and 2026), named on CNBC's World’s Top Fintech Companies 2025 & 2026 and by TIME100 Most influential companies in the world 2023 and 2024 , we've served over 10 million customers, unlocking $2 billion in cumulative credit for the everyday earners across Africa, in addition to over 10,000 e-bikes financed in Kenya.
Important Notice
M-KOPA is an equal opportunity and affirmative action employer committed to assembling a diverse, broadly trained staff. Women, minorities, and people with disabilities are strongly encouraged to apply.
M-KOPA explicitly prohibits the use of Forced or Child Labour and respects the rights of its employees to agree to terms and conditions of employment voluntarily, without coercion, and freely terminate their employment on appropriate notice. M-KOPA shall ensure that its Employees are of legal working age and shall comply with local laws for youth employment or student work, such as internships or apprenticeships.
M-KOPA does not collect/charge any money as a pre-employment or post-employment requirement. This means that we never ask for ‘recruitment fees’, ‘processing fees’, ‘interview fees’, or any other kind of money in exchange for offer letters or interviews at any time during the hiring process.
Applications for this position will be reviewed on a rolling basis. Shortlisting and interviews will take place at any stage during the recruitment process. We reserve the right to close the vacancy early if a suitable candidate is selected before the advertised closing date.
If your application is successful M-KOPA undertakes pre-employment background checks as part of its recruitment process, these include; criminal records, identification verification, academic qualifications, employment dates and employer references.
We're hiring a permanent Senior Backend Engineer to join our Asset Sales group as we scale one of the most important parts of M-KOPA's FinTech platform. Build distributed, event-driven microservices and help shape what AI-native engineering looks like at M-KOPA.
The Impact 💚
Your code will directly power the systems that put smartphones and e-motorbikes into the hands of Every Day Earners across Africa. We've already helped over 10 million customers access more than $2 billion in credit. It's your chance to be part of something that's literally transforming lives across an entire continent 🌍
The Opportunity
🎯 Mission-driven engineering: Every service you build helps expand financial inclusion for under-banked populations
🏆 Global recognition: Join a company named by the Financial Times as one of Africa's fastest-growing companies for five consecutive years (2022–2026)
🚀 Scale challenges: Build backend systems serving millions across multiple African markets
🤖 AI-native from day one: We're actively embracing AI as part of the engineering craft, not bolting it on
🌍 Fully distributed: Work remotely with diverse teams across UK, Europe, and Africa
What You'll Do
At M-KOPA, you'll build and operate distributed C# and .NET microservices on Azure, working within an event-driven architecture at significant scale. This is an outcomes-driven role: we care far more about the value you create than where you sit or how many hours you're online. You'll own what you build end-to-end — from idea, through implementation and deployment, into production and iteration.
Technical Environment 💻
- Modern C# stack: Distributed C# and .NET microservices
- Cloud & orchestration: Hosted on Azure using Kubernetes
- Architecture: Event-driven, supporting products used at significant scale
- Observability: Grafana, Azure Application Insights, logs, traces, and metrics
- AI tooling: Claude and other AI tools used throughout the engineering workflow — design exploration, code generation and review, test writing, incident investigation, and technical communication
- AI-native engineering: We want engineers who tinker — experimenting with new tools, agents, and workflows, and sharing what works
- Guardrails as we accelerate: Automated tests, SLOs, alerting, observability, and deployment safeguards around everything we ship
- Own it beyond the pull request: Design for idempotency, retries, out-of-order events, and failure modes, and know how your services behave in production
- The Campfire Rule: Leave the systems you touch a little better than you found them
- On-call as feedback, not heroics: Engineers who build our systems also help operate them, using incidents to make the platform more resilient
We're looking for a senior engineer who's curious, autonomous, and highly trusted. You're comfortable owning the entire software stack — including supporting infrastructure — throughout its lifecycle, and you see production data, not just deployment, as the real measure of "done."
Required Experience:
- Strong grasp of C# and .NET development
- Experience with event-driven systems - We use Azure Service Bus, but would love to hear from you if you have experience with similar messaging technology (Kafka, RabbitMQ, etc.)
- Microservices architecture experience, ideally on Azure and Kubernetes
- Experience using observability tooling (e.g. Grafana, Application Insights) to understand production behaviour
- Comfort using AI tools as part of a daily engineering workflow (design, code review, testing, incident investigation)
- DevOps culture mindset, including on-call/production ownership
- Proven ability to collaborate effectively in distributed teams across time zones
- Continuous learning mindset and openness to feedback
- Fully remote role, collaborating during core GMT working hours
- Work with diverse teams distributed across UK, Europe, and Africa
- Personalised training budget to support your development
- Home office setup budget
- Professional development programs and coaching partnerships
- Family-friendly policies and flexible working arrangements
- Well-being support and career growth opportunities
We create financial inclusion for the traditionally excluded through a fair, flexible, customer-centric financing model. We strive to drive greater inclusion of women, youth, and low-income communities.
Our Impact 💚
Our technology has created measurable change:
- Connected 📱: 2.5 million first-time smartphone users connected
- Prosperous 💰: 70% of customers use M-KOPA products for income generation, with 35,000 livelihoods created for agents
- Green 🌱: 2.155 million tonnes of CO₂ avoided since 2010 through clean energy, refurbished devices, and e-mobility
Why M-KOPA?
At M-KOPA, we empower our people to own their careers through diverse development programs, coaching partnerships, and on-the-job training. We support individual journeys with family-friendly policies, prioritize well-being, and embrace flexibility.
Join us in shaping the future of M-KOPA as we grow together. Explore more at m-kopa.com.
Recognized four times by the Financial Times as one Africa's fastest growing companies (2022, 2023, 2024, 2025 and 2026), named on CNBC's World’s Top Fintech Companies 2025 & 2026 and by TIME100 Most influential companies in the world 2023 and 2024 , we've served over 10 million customers, unlocking $2 billion in cumulative credit for the everyday earners across Africa, in addition to over 10,000 e-bikes financed in Kenya.
Important Notice
M-KOPA is an equal opportunity and affirmative action employer committed to assembling a diverse, broadly trained staff. Women, minorities, and people with disabilities are strongly encouraged to apply.
M-KOPA explicitly prohibits the use of Forced or Child Labour and respects the rights of its employees to agree to terms and conditions of employment voluntarily, without coercion, and freely terminate their employment on appropriate notice. M-KOPA shall ensure that its Employees are of legal working age and shall comply with local laws for youth employment or student work, such as internships or apprenticeships.
M-KOPA does not collect/charge any money as a pre-employment or post-employment requirement. This means that we never ask for ‘recruitment fees’, ‘processing fees’, ‘interview fees’, or any other kind of money in exchange for offer letters or interviews at any time during the hiring process.
Applications for this position will be reviewed on a rolling basis. Shortlisting and interviews will take place at any stage during the recruitment process. We reserve the right to close the vacancy early if a suitable candidate is selected before the advertised closing date.
If your application is successful M-KOPA undertakes pre-employment background checks as part of its recruitment process, these include; criminal records, identification verification, academic qualifications, employment dates and employer references.
Skills
C#.NETEvent-Driven SystemsMicroservices ArchitectureAzureKubernetesAzure Service BusObservabilityGrafanaAzure Application InsightsDevOpsDistributed SystemsAI-Assisted EngineeringProduction OwnershipOn-Call OperationsDistributed Team Collaboration
About M-KOPA
M-KOPA is a UK-headquartered emerging market fintech that provides affordable smartphone and e-motorbike financing and smartphone embedded digital financial services. With operations in Nigeria, Ghana, Kenya, South Africa, and Uganda, the company has extended over $2 billion in credit to more than 7 million customers. Using an innovative financing model based on daily repayments, M-KOPA provides affordable smartphones embedded with financial services that fit with the cash flow of millions of Every Day Earners who earn their income daily. By leveraging rich payments data and proprietary AI-driven analytics, M-KOPA builds a credit record for each customer, which forms the foundation for a long-term financial relationship for digital loans, affordable data subscriptions, and insurance. The company employs over 3,000 staff and 30,000 sales agents across its African markets. M-KOPA has been recognised by the Financial Times as one of Africa’s Fastest Growing Companies for the past 4 years, twcice recognised as one of the world's top fintechs by CNBC for its impact and growth in financial inclusion, and named twice by Time Magazine as one of the 100 Most Influential Companies globally.
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