Senior Backend Engineer - Asset Sales

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

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

Our Engineering Approach

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

What You Need
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

Location & Benefits

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

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 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

Ready to build C#/.NET systems — with AI as part of your craft — that create real-world financial inclusion? Apply Now!

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.