Software Engineer - R&D

Moniepoint is one of Africa’s fastest-growing fintech companies, recognised by the Financial Times for three consecutive years. We provide an end-to-end financial ecosystem powering payments, banking, credit, and business tools for over 10 million users, processing more than $250B+ in annual transaction value.

In 2024-2025, Moniepoint completed a Series C fundraise exceeding $200 million, backed by leading global investors including Visa, Google’s Africa Investment Fund, Development Partners International, LeapFrog Investments, Lightrock, and IFC. This investment underscores our scale, profitability, and long-term roadmap and solidifies Moniepoint’s position as one of Africa’s fintech unicorns.

We are looking for engineers who can build complete systems.As a Member of Technical Staff, you are responsible for solving problems end-to-end from understanding the domain to building and operating production systems. This includes APIs, distributed systems, data pipelines, and machine learning systems where appropriate.
You are not defined by a role label. You are expected to operate wherever the problem is.

Curious about what makes Moniepoint an incredible place to work? Check out posts on how we cultivate a culture of innovation, teamwork, and growth.

• →Design and build production-grade systems that are reliable, scalable, and observable.
• →Own systems end-to-end: problem → design → data → implementation → deployment → operations.
• →Work across application services, distributed systems, infrastructure, data pipelines, and ML systems
• →Debug complex production issues across multiple layers
• →Make engineering trade-offs grounded in first principles
• →Improve performance, latency, reliability, and cost efficiency
• →Contribute to architecture and technical direction
• →Write maintainable code and documentation
• →Raise the engineering bar
• →Machine Learning as Part of the Role
  • →Frame problems correctly: when to use ML vs deterministic systems
  • →Work with data end-to-end
  • →Train, evaluate, and iterate on models
  • →Build reproducible pipelines
  • →Deploy models and monitor performance, drift, and cost
  • →Debug system + model failures

• Strong CS fundamentals (DSA, OS, networking, distributed systems)
• Solid probability and statistics
• Experience building production systems at scale
• Ability to move across languages (Go, Java, Python, Rust, SQL)
• Understanding of system behavior under load and failure
• Comfort with Linux, containers, Kubernetes
• Strong debugging skills
• Ability to reason using invariants and failure modes
• Data systems, streaming systems, ML infrastructure, performance optimization

• Ownership over problems
• Simplicity over complexity
• Curiosity about internals
• Robust design thinking
• Clear communication

• Deliver working production systems from ambiguous problems
• Apply ML only when needed
• Build reliable, scalable systems
• Reduce complexity
• Earn trust in technical judgment

If you are a builder, a systems thinker, and a technologist who loves exploring what’s next, we’d love to have you help shape the future of Moniepoint.

• Culture - We put our people first and prioritize the well-being of every team member. We’ve built a company where all opinions carry weight and where all voices are heard. We value and respect each other and always look out for one another. Above all, we are human.
• Learning - We have a learning and development-focused environment with an emphasis on knowledge sharing, training, and regular internal technical talks.
• Compensation - You’ll receive an attractive salary, pension, health insurance, paid leave plus other benefits.

Our interview process is designed to be thoughtful, transparent, and candidate-friendly, allowing you to showcase your strengths while getting to know us better:

• Initial Conversation: A brief introductory call with our recruiter to learn more about your background, career goals, and to share insights about the role and our team.
• Technical Assessment: A practical, take-home assessment follow by a discussion with an interviewer on a call.
• System Design Interview: A focused session with our Engineering Team, where we'll explore system design, architecture, and problem-solving approaches.
• Final Interview: A combined technical and behavioural conversation with a member of our Executive Team, aimed at understanding your alignment with our values, vision, and culture

Moniepoint is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees and candidates.

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