---
title: 'Senior Backend Engineer - Asset Sales at M-KOPA'
canonical: 'https://feeny.ai/job/senior-backend-engineer-asset-sales-m-kopa-london-np1yn7ffqyy1'
type: 'job'
last_seen: '2026-10-19'
---

# Senior Backend Engineer - Asset Sales at M-KOPA

- **Company:** [M-KOPA](https://feeny.ai/companies/m-kopa)
- **Location:** London, United Kingdom
- **Employment:** full-time
- **Work type:** remote
- **Posted:** 2026-09-30
- **Last confirmed live:** 2026-10-19
- **Apply:** https://jobs.ashbyhq.com/m-kopa/5fc27a56-4a23-4321-8b06-350e20758d66

## Job description

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 [m-kopa.com](http://m-kopa.com).

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 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.

## About M-KOPA

## Company Overview
- **One-liner**: M-KOPA is a leading African fintech platform that provides affordable financial and digital products to cash-based earners, enabling them to finance everyday essentials through daily micropayments.
- **Entity Type**: Private (Growth Stage)
- **Headquarters**: Nairobi, Kenya (Global HQ with additional offices in London, UK)
- **Founded**: 2010
- **Founders**: Jesse Moore (CEO & Co-Founder) and Nick Hughes

## Core Business
- **Primary Industry**: Fintech / Financial Services
- **Target Customers**: B2C focused on "Every Day Earners" — underserved, cash-based entrepreneurs and individuals across Sub-Saharan Africa who lack formal collateral, credit history, or a monthly salary.
- **Mission/Purpose**: "To make financing for everyday essentials accessible to everyone." Their core mission is to "finance progress" for millions of unbanked and underbanked people.

## Products & Services
- **Smartphone Financing**: The core entry product. Customers pay a small deposit (e.g., ~$35) followed by daily micro-instalments (~$0.50/day) via mobile money (like M-Pesa) to own a smartphone. This is the primary gateway to the digital economy.
- **Digital Loans**: After building a repayment credit history, customers can access small, flexible digital loans on an instalment basis.
- **Hospital Coverage (Insurance)**: Affordable health insurance packages offered via the same daily micropayment model.
- **Device Protection**: Insurance for the financed smartphone.
- **Affordable Data Bundles**: Digital subscriptions and data packages available on a similar instalment basis.

## Market Standing
- **Valuation**: Not publicly disclosed. However, M-KOPA has raised substantial growth capital from top-tier global investors.
- **Key Metric**: Over **$1.5 billion in cumulative credit deployed** to more than **5 million customers** across Kenya, Uganda, Nigeria, Ghana, and South Africa. [m-kopa.com](https://www.m-kopa.com/about)
- **Notable Investors**: Includes **Generation Investment Management** (co-founded by Al Gore), **Sumitomo Corporation**, and other leading impact and growth investors. Board members often come from these firms. [m-kopa.com](https://www.m-kopa.com/about)
- **Growth Signals**: M-KOPA now employs over **3,000 staff members** and has a direct sales force of over **30,000 agents**. The company operates one of the largest smartphone assembly factories in the region, producing over 1 million phones locally. [wikipedia.org](https://en.wikipedia.org/wiki/M-Kopa)

## Competitive Advantages
- **Proprietary Tech & Data Stack**: Processes over **1 million payments daily**, using AI-driven analytics to create credit records for individuals with no formal financial history. This is a deep, defensible data moat.
- **Asset-Light Distribution**: A massive, managed direct sales force of 30,000 agents provides a powerful on-the-ground distribution network that is hard to replicate.
- **Customer-Centric Lending**: Offers "Inclusive, Fair, and Flexible" terms. No collateral or proof of income required. Customers can return a product, get their deposit back, and be released from obligations if they cannot pay. This builds immense trust. [m-kopa.com](https://www.m-kopa.com/about)
- **Vertical Integration**: From smartphone assembly to fintech lending to digital services, M-KOPA controls the entire value chain, creating a sticky ecosystem.

## Strategic Focus
- **Deepening Financial Services**: Expanding beyond smartphone financing into digital loans, insurance, and health coverage to become a comprehensive financial partner.
- **Geographic Expansion**: Already in 5 African countries (Kenya, Uganda, Nigeria, Ghana, South Africa) with potential for further market entry.
- **Leveraging AI for Credit Scoring**: Constantly improving their proprietary data models to offer more products and better manage risk for a traditionally "unscoreable" population.
- **M-KOPA Labs**: A research arm that deploys grants to test new technologies and extensions of their platform. [wikipedia.org](https://en.wikipedia.org/wiki/M-Kopa)

## Why Work Here
- **Purpose-Driven Mission**: The work directly impacts financial inclusion and poverty alleviation for millions across Africa. A deeply motivating "why."
- **Rapid Growth & Scale**: Operating in a high-growth environment with a team of 3,000+, providing significant opportunities for career advancement and tackling complex, real-world problems.
- **Global, Pan-African Team**: A diverse team with a "proudly Pan-African footprint" and offices in London, offering a unique cultural experience.
- **Flexible Work**: Offers hybrid and remote working options that suit the demands of the role. [m-kopa.com](https://www.m-kopa.com/careers)
- **Strong Benefits Package**: Includes comprehensive health plans, learning & development resources, and recognition & rewards. They emphasize a culture of "Progress, Excellence, and Humility." [m-kopa.com](https://www.m-kopa.com/careers)
- **Engineering Culture**: Known for building a world-class tech stack from scratch for a unique market.

## Sources
1. [m-kopa.com/about](https://www.m-kopa.com/about)
2. [m-kopa.com/careers](https://www.m-kopa.com/careers)
3. [wikipedia.org/wiki/M-Kopa](https://en.wikipedia.org/wiki/M-Kopa)
4. [uk.linkedin.com/company/m-kopa](https://uk.linkedin.com/company/m-kopa)
5. [jobs.ashbyhq.com/m-kopa](https://jobs.ashbyhq.com/m-kopa)

## Other roles at M-KOPA

- [Sales Executive - Sango 6](https://feeny.ai/job/sales-executive-sango-6-m-kopa-ogun-3r04anv0t384) — Ogun
- [Sales Executive - Sango 5](https://feeny.ai/job/sales-executive-sango-5-m-kopa-ogun-gs2djckdgfv2) — Ogun
- [Warehouse Manager](https://feeny.ai/job/warehouse-manager-m-kopa-kenya-fndxm6qysgah) — Kenya
- [Retail Manager](https://feeny.ai/job/retail-manager-m-kopa-uganda-p9kgxwn55z0n) — Uganda
- [Retail Manager](https://feeny.ai/job/retail-manager-m-kopa-uganda-s6a3m61vc61z) — Uganda
- [Telesales Representative – Customer Retention](https://feeny.ai/job/telesales-representative-customer-retention-m-kopa-ghana-5m39xjjhz9jf) — Ghana
- [Senior People Partner](https://feeny.ai/job/senior-people-partner-m-kopa-nairobi-1hht47nc8pf8) — Nairobi, Kenya
- [Sales Executive - Egbeda](https://feeny.ai/job/sales-executive-egbeda-m-kopa-lagos-5rxqf5atp681) — Lagos, Nigeria
- [Sales Trainer](https://feeny.ai/job/sales-trainer-m-kopa-ghana-ab9d871p4sdb) — Ghana
- [Finance Manager - Kenya](https://feeny.ai/job/finance-manager-kenya-m-kopa-kenya-t323gtb0n80f) — Kenya