Senior Android Engineer - Financial Inclusion at Scale

Join our expanding engineering team! We're actively recruiting multiple Senior Android Engineers as we continue to scale our growing FinTech division at M-KOPA. Build sophisticated mobile applications that unlock financial inclusion across Africa.

The Impact: Your code will directly power mobile technology for millions of people across Africa who've been excluded from traditional financial services. We've already helped over 7 million customers access over $2+ billion in credit, with 2.5 million connecting to the internet for the first time through our smartphones. It's your chance to be part of something that's literally transforming lives across an entire continent

The Opportunity

Mission-driven engineering: Every feature you build helps expand financial inclusion for underbanked populations

Global recognition: Join a company named by TIME 100 as one of the world's most influential and by the Financial Times as Africa's fastest-growing for 4 consecutive years (2022-2025)

Scale challenges: Build Android applications serving millions across multiple African markets. This role presents exciting technical challenges as you develop high-performance, offline-first applications optimised for low-end devices in challenging network environments.

Environmental impact: We're carbon-negative, having displaced over 2.1 million tonnes of emissions

Link to Impact report: M-KOPA Impact Report 2025: Pathways to progress

What You'll Do

At M-KOPA, you'll build sophisticated Android applications with real-world impact. Our engineering teams own their solutions end-to-end – from architecture decisions to production monitoring. Join us in combining cutting-edge Android development with purpose-driven engineering that makes digital and financial inclusion possible across Africa.

Technical Environment

Modern Android Stack: We use predominantly Kotlin with Jetpack Compose for our UI

Architecture & Patterns: Clean Architecture principles with unidirectional data flow (MVI)

Cloud Integration: Our microservices are hosted on Azure using Kubernetes

Release Cycle: Bi-weekly Android releases with multiple backend deployments daily

DevOps Culture: Azure DevOps for CI/CD with trunk-based development

Our Engineering Approach

We work in self-organised, agile teams that:

Focus on raising coding standards and improving application quality

Embrace testing and observability as first-order concerns

Deep dive user journeys using data to implement focused updates

Own the entire software stack throughout the lifecycle under a DevOps culture

What You Need

We expect you to be comfortable working as part of a team which owns the entire software stack, including supporting infrastructure, throughout the entire software lifecycle - from inception through production to decommissioning under a DevOps culture. You'll value the constraints that continuous delivery places upon engineering processes and embrace testing and observability as first-order concerns in development.

Required Experience:

Solid senior-level expertise with Kotlin and Android app development

Deep knowledge of Clean Architecture and Dependency Injection

Experience with unidirectional data flow (MVI) and Jetpack Compose

Trunk-based development and Feature Toggles expertise

Strong testing practices and DevOps mindset

This is a fully remote role, within the following time zone (UTC -1 / UTC+3). Our engineers work remotely from locations such as UK, Europe and Africa. You will be reporting to a Software Engineering Team Lead.

Location & Benefits

Fully remote role within UTC -1 to UTC +3 time zones

Work with diverse teams across UK, Europe, and Africa

Professional development programs and coaching partnerships

Family-friendly policies and flexible working arrangements

Well-being support and career growth opportunities

Our Mission

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 mobile internet users connected

Prosperous : 62% of customers use M-KOPA smartphones for income generation, with 35,000+ livelihoods created for agents

Green : 2.1 million tonnes of CO₂ avoided through clean energy products, with over 127,000 circular economy products provided

Ready to build Android applications that create real-world financial inclusion?

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 and 2025) and by TIME100 Most influential companies in the world 2023 and 2024 , we've served over 6 million customers, unlocking $1.5 billion in cumulative credit for the unbanked across Africa.

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.