Senior Backend Engineer - Asset Sales

About this role

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 .

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…