
M-KOPA · Nairobi
Join our growing FinTech Engineering team! We're recruiting a Software Engineering Team Lead to spearhead the delivery of our new loan origination architecture,...
Join our growing FinTech Engineering team! We're recruiting a Software Engineering Team Lead to spearhead the delivery of our new
loan origination architecture, compliance systems, and pricing platform - infrastructure that will power M-KOPA's next phase of
expansion across Africa.
Your architecture will directly shape how millions of people access credit for the first time. We've already served over 7 million
customers and unlocked more than $2 billion in credit since we began. Every system you design, every engineer you develop, and
every decision you make contributes to a platform that's quite literally transforming financial inclusion across an entire
continent 🌍
🎯 Mission-driven engineering: Your daily work enables affordable smartphones, digital loans, and financial services for Africa's
Every Day Earners — people for whom traditional finance simply doesn't work.
🏆 Global recognition: Join a FinTech company named by TIME 100 as one of the world's most influential and by the Financial Times
as Africa's fastest-growing company for five consecutive years (2022–2026).
🚀 Scale that matters: You'll be architecting systems that process over 2 million payments daily across five markets — and
building for the next 10 million customers.
🌱 Environmental impact: We're carbon-negative, having avoided 2.155 million tonnes of CO₂ emissions across our product portfolio.
What You'll Do
At M-KOPA, you'll lead a team of backend engineers through both greenfield and legacy projects, owning the full software lifecycle
from design ideation through to production and eventual decommissioning. Our engineering teams work under a true DevOps culture —
with infrastructure as code, observability, automated testing, and continuous delivery treated as first-order concerns, not
afterthoughts.
You'll set architectural direction, partner closely with your Product Manager counterpart on roadmap planning and prioritisation,
and serve as a servant leader who grows the people around you while shipping high-quality, impactful software.
Technical Environment 💻
messaging technologies such as Kafka or RabbitMQ
delivery
Our Engineering Approach 🚀
delivering together.
What You Need
We're looking for an experienced, low-ego engineering leader who brings both technical depth and a genuine passion for growing
people.
experience with similar messaging technologies such as Kafka or RabbitMQ
The Team
You'll lead a close-knit, focused engineering team with real end-to-end ownership over a significant part of the M-KOPA platform -
including loan origination, compliance systems, and a new pricing engine. You'll have a dedicated Product Manager as your
counterpart and operate with genuine autonomy over technical direction.
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.
economy products provided
Ready to build the systems that create real-world financial inclusion while leading a talented team of engineers? Apply Now!
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) and by
TIME100 Most influential companies in the world 2023 and 2024 , we've served over 7 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.
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.
We're hiring our first Lead Engineer - AI Agents to lead a team that designs, ships, and scales automations and AI agents across M-KOPA. This is a brand-new team within the business - the tech foundation is already proven, and now we need someone to lead it, scale it, and define what it becomes. The Impact Your production-grade automations and agents will directly improve how 2,300+ employees work across our global operations. We've already helped over 10 million customers access over $2 billion in credit - and the tools you build will help that mission scale further and faster. It's your chance to be part of something that's literally transforming lives across an entire continent 🌍 The Opportunity * 🎯 Mission-driven engineering: Every automation you build helps internal teams and customer-facing staff deliver financial inclusion to Africa's Every Day Earners * 🏆 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 5 consecutive years (2022–2026) * 🚀 Scale challenges: 2,500+ employees across Kenya, Uganda, Nigeria, Ghana, South Africa, the UK, and Europe - internal teams that can't scale by hiring forever need intelligent tooling that actually works * 🌱 Environmental impact: We're carbon-negative, having displaced over 2 million tonnes of emissions What You'll Do At M-KOPA, you'll lead the AI Ops Agents team from day one - owning delivery, growing the function, and proving the value. You'll work daily with Claude, Claude Code, MCP, and LangChain to build production-grade agents and automations that internal teams actually use. Your team builds automations and agents for internal use and serves as internal consultants, helping Software Engineering teams integrate AI into customer-facing products. Your key responsibilities: * Lead three AI Ops Engineers — own their delivery, development, and day-to-day work * Prioritise efficiently — manage competing requests from multiple teams by applying a clear prioritisation framework you'll help develop and improve * Design and ship multi-agent systems and production-grade automations that measurably improve how internal teams and customer-facing staff work * Build RAG pipelines for internal knowledge retrieval that ground agents in real organisational context * Keep the AI tooling stack healthy as usage scales across 2,500+ employees * Stay current on emerging AI tools and technologies - know what's hype and what's actually useful * Help refine AI training for the wider organisation, including Software Engineering teams Technical Environment 💻 * AI & Agentic Frameworks: Claude, Claude Code, Anthropic tooling, LangChain, LangGraph, MCP, multi-agent orchestration, Google ADK (or similar agentic tooling) * Automation & Prototyping: Scripting, workflow tools, AI-assisted development, rapid prototyping (Vercel/Railway) * Enterprise Tooling: Identity automation (Entra), internal platforms, Notion, HiBob integrations * Existing Foundation: Twelve months of Claude, Claude Code, Notion, HiBob, and Entra automations already running in production — you're building on proven foundations, not starting from zero Our Approach * Build, don't just advise — this is a hands-on team that ships working automations and agents * Prove the value, then expand — start with three engineers, demonstrate impact, grow from there * Product-focused mindset — treat internal teams as customers and build tooling that works * Cut through the hype — evaluate emerging AI tools on practical value, not marketing buzz What You Need We're looking for someone with a strong technical background and product-focused mindset. You won't be building models - we have Data Science teams for that. You'll be building multi-agent systems, shipping production-grade automations, and leading a team that makes M-KOPA's internal operations smarter and faster. Required Experience: * Hands-on experience building production-grade automations and AI agents — scripting, workflow tools, or AI-assisted development * Hands-on experience building multi-agent systems using agentic frameworks — LangChain, LangGraph, MCP, Google ADK or similar * Experience with RAG pipelines — retrieval-augmented generation for internal knowledge and workflow automation * Background in enterprise tooling — rapid prototyping tools (Vercel/Railway), identity automation (Entra), or internal platforms * People leadership experience — you've led or mentored engineers and can own a team's delivery and development Why This Role? This is a brand new team within the business, reporting to the Director of Security. The tech stack is proven - twelve months of Claude, Claude Code, Notion, HiBob, and Entra automations already running. The team structure is what's new. That's yours to shape. You'll start with three engineers. Prove the value. Expand from there. The problems are complex. 2,500+ employees across Kenya, Uganda, Nigeria, Ghana, South Africa, the UK, and Europe. Internal teams that can't scale by hiring forever. Customer-facing staff who need tools that actually work. M-KOPA provides affordable financial and digital products to underserved communities across Africa - unlocking access to smartphones, credit, and insurance for millions of people. The automations and agents you build don't just save time internally - they help that mission reach more people. If you want to decide how AI actually gets used at scale across a growing fintech – this is the opportunity. Location & Benefits * 🌍 Fully remote role within UTC -1 to UTC +3 time zones * 🤝 Work with diverse teams across UK, Europe, and Africa * 📚 Professional development programmes 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 🌱: 2.1 million tonnes of CO₂ avoided through clean energy products, with over 127,700 circular economy products provided Ready to lead a brand-new AI team - shipping agents and automations that drive 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) and by TIME100 Most influential companies in the world 2023 and 2024 , we've served over 7 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. 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.
Join our growing FinTech Engineering team! We're recruiting a Software Engineering Team Lead to spearhead the delivery of our new loan origination architecture, compliance systems, and pricing platform - infrastructure that will power M-KOPA's next phase of expansion across Africa. THE IMPACT Your architecture will directly shape how millions of people access credit for the first time. We've already served over 7 million customers and unlocked more than $2 billion in credit since we began. Every system you design, every engineer you develop, and every decision you make contributes to a platform that's quite literally transforming financial inclusion across an entire continent 🌍 THE OPPORTUNITY 🎯 Mission-driven engineering: Your daily work enables affordable smartphones, digital loans, and financial services for Africa's Every Day Earners — people for whom traditional finance simply doesn't work. 🏆 Global recognition: Join a FinTech company named by TIME 100 as one of the world's most influential and by the Financial Times as Africa's fastest-growing company for five consecutive years (2022–2026). 🚀 Scale that matters: You'll be architecting systems that process over 2 million payments daily across five markets — and building for the next 10 million customers. 🌱 Environmental impact: We're carbon-negative, having avoided 2.155 million tonnes of CO₂ emissions across our product portfolio. What You'll Do At M-KOPA, you'll lead a team of backend engineers through both greenfield and legacy projects, owning the full software lifecycle from design ideation through to production and eventual decommissioning. Our engineering teams work under a true DevOps culture — with infrastructure as code, observability, automated testing, and continuous delivery treated as first-order concerns, not afterthoughts. You'll set architectural direction, partner closely with your Product Manager counterpart on roadmap planning and prioritisation, and serve as a servant leader who grows the people around you while shipping high-quality, impactful software. Technical Environment 💻 * Languages & frameworks: C#/.NET * Cloud: We work in Azure, and welcome experience across AWS or GCP * Architecture: Event-driven systems and microservice development - we use Azure Service Bus, and welcome experience with similar messaging technologies such as Kafka or RabbitMQ * Infrastructure: Kubernetes, Docker * Observability: Prometheus, Grafana * Engineering culture: DevOps, infrastructure as code, automated testing across all environments including production, continuous delivery Our Engineering Approach 🚀 * Full ownership: Teams own their solutions end-to-end - from inception through production support to decommissioning. * Servant leadership: We lead by coaching and enabling, not directing. * Quality by default: Observability, monitoring, and automated testing are built in from day one. * Continuous improvement: We foster a culture of innovation within a supportive, dynamic team environment. * Product partnership: Engineering and Product work as genuine counterparts — planning together, prioritising together, delivering together. What You Need We're looking for an experienced, low-ego engineering leader who brings both technical depth and a genuine passion for growing people. Required Experience: * Strong hands-on background in C#/.NET backend development * Proven experience with Azure, AWS, or GCP - we work in Azure but welcome experience across major cloud providers * Solid understanding of event-driven architecture and microservice development - we use Azure Service Bus, and welcome experience with similar messaging technologies such as Kafka or RabbitMQ * Experience leading or mentoring engineers in a collaborative team environment * Ability to set technical direction and provide architectural guidance * Comfortable working with Product to shape roadmaps and drive delivery The Team You'll lead a close-knit, focused engineering team with real end-to-end ownership over a significant part of the M-KOPA platform - including loan origination, compliance systems, and a new pricing engine. You'll have a dedicated Product Manager as your counterpart and operate with genuine autonomy over technical direction. LOCATION & BENEFITS * 🌍 Fully remote role in UK and parts of Europe within UTC -1 to UTC +3 time zones * 💼 Work with diverse teams across the UK, Europe, and Africa * 📈 Professional development programmes and coaching partnerships * 👨👩👧 Family-friendly policies and flexible working arrangements * 💚 Well-being support and genuine 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 to the mobile internet * 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 through clean energy and circular economy products, with over 127,700 circular economy products provided Ready to build the systems that create real-world financial inclusion while leading a talented team of engineers? 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) and by TIME100 Most influential companies in the world 2023 and 2024 , we've served over 7 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. 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.
YOUR PROFILE We’re looking for a highly skilled Software Engineering Team Lead who is passionate about people, engineering excellence, and building modern software development culture. In this role, you’ll guide a team of talented engineers, contribute to architectural decisions, and partner closely with Product and Design to translate business needs into robust technical solutions. This is a true leadership‑first role, ideal for someone who thrives on developing others, shaping engineering practices, and delivering impactful product features while maintaining enough hands‑on involvement to stay technically sharp. You’ll have a significant influence on how we build software, how our teams collaborate, and how we evolve our technical landscape. WHAT YOU'LL DO * Lead, mentor, and support a team of software engineers. Provide regular feedback, facilitate career growth, and foster a healthy, collaborative team culture * Plan and prioritize engineering work, balancing feature development and team capacity to meet product roadmap commitments. * Collaborate with Product, Design, and cross‑functional stakeholders to translate business requirements into clear technical solutions * Contribute to system architecture and design discussions, guiding the team toward scalable and maintainable implementations * Remain hands‑on with development to stay close to the codebase, support technical decisions, and unblock the team when needed * Improve engineering processes, remove obstacles, drive best practices, and ensure high‑quality delivery * Actively participate in hiring-defining requirements, interviewing candidates, and building a high‑performing engineering team. WHAT YOU'LL NEED * 7-8+ years in software engineering with at least 2+ years leading or managing software engineers * Experience in SaaS product companies and complex technical ecosystems * Strong focus on people: mentoring, coaching, supporting career growth * Naturally curious mindset; someone who seeks improvement, learns continuously, and embraces change * Familiarity with modern engineering practices * Solid communication skills, organizational awareness, and a proactive approach to solving problems BONUS POINTS FOR * Knowledge of Oil & Gas domain WORKING LOCATION * Croatia (Zagreb) - Hybrid * Europe - Remote WHY YOU’LL LOVE WORKING WITH US * Work in a fast-growing and interesting industry * Flexible work that best fits your needs and the role * Competitive compensation with some niceadditionalperks * Top-notch offices and equipment * Continuous improvement and learning opportunities to grow your career * Team activities, not the usual one just to look nice on social media but what our team choose and ask for * A great teamof engaged passionate and helpful people