M-KOPA is a pan-African fintech on a mission to extend financial access to the underserved. With 7 million customers served, $2+ billion in credit unlocked, and 86% customer satisfaction, we’re one of the most consequential businesses operating on the continent. Over 55% of our customers are accessing financial services for the very first time. We’re not a start-up and we’re not a legacy institution — we’re in the middle of something rare: deliberate, high-velocity growth.
Join our growing FinTech Engineering team! We’re recruiting a Software Engineering Team Lead to spearhead the delivery of our new loan origination architecture, compliance systems, and pricing platform – infrastructure that will power M-KOPA’s next phase of expansion across Africa.
The Impact
Your architecture will directly shape how millions of people access credit for the first time. We’ve already served over 7 million customers and unlocked more than $2 billion in credit since we began.
Every system you design, every engineer you develop, and every decision you make contributes to a platform that’s quite literally transforming financial inclusion across an entire continent
The Opportunity
Mission-driven engineering: Your daily work enables affordable smartphones, digital loans, and financial services for Africa’s Every Day Earners — people for whom traditional finance simply doesn’t work.
Global recognition: Join a FinTech company named by TIME 100 as one of the world’s most influential and by the Financial Times as Africa’s fastest-growing company for five consecutive years (2022–2026).
Scale that matters: You’ll be architecting systems that process over 2 million payments daily across five markets — and building for the next 10 million customers.
Environmental impact: We’re carbon-negative, having avoided 2.155 million tonnes of CO₂ emissions across our product portfolio.
What You’ll Do
At M-KOPA, you’ll lead a team of backend engineers through both greenfield and legacy projects, owning the full software lifecycle from design ideation through to production and eventual decommissioning.
Our engineering teams work under a true DevOps culture — with infrastructure as code, observability, automated testing, and continuous delivery treated as first-order concerns, not afterthoughts.
You’ll set architectural direction, partner closely with your Product Manager counterpart on roadmap planning and prioritisation, and serve as a servant leader who grows the people around you while shipping high-quality, impactful software.
Technical Environment
Languages & frameworks: C#/.NET
Cloud: We work in Azure, and welcome experience across AWS or GCP
Architecture: Event-driven systems and microservice development – we use Azure Service Bus, and welcome experience with similar messaging technologies such as Kafka or RabbitMQ
Infrastructure: Kubernetes, Docker
Observability: Prometheus, Grafana
Engineering culture: DevOps, infrastructure as code, automated testing across all environments including production, continuous delivery
Our Engineering Approach
Full ownership: Teams own their solutions end-to-end – from inception through production support to decommissioning.
Servant leadership: We lead by coaching and enabling, not directing.
Quality by default: Observability, monitoring, and automated testing are built in from day one.
Continuous improvement: We foster a culture of innovation within a supportive, dynamic team environment.
Product partnership: Engineering and Product work as genuine counterparts — planning together, prioritising together, delivering together.
What You Need
We’re looking for an experienced, low-ego engineering leader who brings both technical depth and a genuine passion for growing people.
Required Experience:
Strong hands-on background in C#/.NET backend development
Proven experience with Azure, AWS, or GCP – we work in Azure but welcome experience across major cloud providers
Solid understanding of event-driven architecture and microservice development – we use Azure Service Bus, and welcome experience with similar messaging technologies such as Kafka or RabbitMQ
Experience leading or mentoring engineers in a collaborative team environment
Ability to set technical direction and provide architectural guidance
Comfortable working with Product to shape roadmaps and drive delivery.
