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
- Benefits package, which includes Bonus, Growth Shares & On-Call Allowance
- 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, adaptable, customer-centric financing model. We strive to drive greater inclusion of women, youth, and low-income communities.

Our Impact

- Connected: 2.5 million first-time smartphone user

📌 Senior Backend Engineer (Madrid)
🏢 M-KOPA
📍 Madrid