Backend Engineer

Imagine a world where every person has improved access to financial services. People could start new businesses, pay for their children's education, cover their emergency medical bills – the possibilities are endless.We're revolutionizing financial access for millions of underserved banking customers today across Africa and India. By leveraging the rapid adoption of smartphones, machine learning, and other technology, we're pioneering new ways to improve access and value for those overlooked by banks.We offer a variety of products that help our customers be financially empowered, including instant loans and market-leading investment yields.Our mission-driven team is led by experienced professionals who have worked at companies like Kiva.org and PayPal. We've raised significant funding from top investors in Silicon Valley and have over 32 million downloads worldwide.**About the Role**As a key member of our Engineering team, you'll work closely with our Product and Data Science teams to design and maintain multiple technologies, including API backends, credit scoring and underwriting systems, payments integrations, and operations tools.Our team faces numerous technical challenges ranging from maintaining complex financial systems to accessing and processing creative data sources for our algorithmic credit model.As an engineering team, we value bottom-up innovation and decentralized decision-making: We believe the best ideas can come from anyone in the company, and we're working hard to create an environment where everyone feels empowered to propose solutions to the challenges we face.Here are some things you'll do:Build out APIs and backend systems for our frontend clients, including our Android mobile app.Integrate with various third-party systems, including payment systems, identity providers, and messaging platforms.Help us build new financial products.Scale our backend services to ever-growing levels of traffic and complexity.**Minimum Requirements**You have strong experience (3-8 years) of building backend software for web-based or mobile products.Experience leveraging modern AI tools for efficiency and effectiveness.You have strong knowledge of software development fundamentals, including relevant background in computer science fundamentals, distributed systems, data storage, and agile development methodologies.You are pragmatic and combine a strong understanding of technology and product needs to arrive at the best solution for a given problem.You are highly entrepreneurial and thrive in taking ownership of your own impact. You take the initiative to solve problems before they arise.You are an excellent collaborator & communicator. You know that startups are a team sport. You listen to others, aren't afraid to speak your mind and always try to ask the right questions.You are excited by the prospect of working in a distributed team and company, working with teammates from all over the world.Experience in designing, building, and maintaining scalable data architectures that integrate disparate data sources.A strong command on Data Modelling and Organization best practices.Hands on experience with toolstack similar to dbt, Airflow, Snowflake, Metabase, etc.Proficiency in at least one programming language like Python.**Benefits**Fast-paced and entrepreneurial environment.Competitive salary and equity package.A collaborative, transparent, and flat company culture.Remote work options.Fully-paid Group Medical Insurance and Personal Accidental Insurance.Unlimited paid leaves policy, including personal leave, bereavement leave, sick leave, and periodic mental health days.Fully paid parental leave - 6 months maternity leave and 3 months paternity leave.Monthly WFH stipend alongside a one-time home office set-up budget.Other benefits include; team meals, virtual social events, and in-person meetups.Discretionary trips to our offices across the globe, with global travel medical insurance.Opportunity to work and interact with a global team.