Senior Backend Engineer

About the role

You will be the third backend engineer on the team. The lending engine you own runs the full life-cycle of a loan: KYC, application scoring, disbursement to bank, repayment scheduling, direct-debit collection, aging buckets, and recovery escalations.

It's NestJS + Prisma + Postgres on the backend, with Redis for queues and BullMQ for async jobs. The repo is a TypeScript monorepo (Turborepo) shared with the Next.js web app and the React Native mobile app.

What you'll do

• Design and ship features end-to-end across the lending engine — from credit-policy DSL to the daily settlements job.
• Own production: on-call one week in four, with a quiet pager — the team has invested heavily in observability.
• Review the work of two other backend engineers; mentor on Postgres performance, idempotency and edge-case handling.
• Pair with the risk team on credit-model changes; with operations on workshop disbursement flows; with mobile on offline-tolerant repayment.
• Lead one or two architectural conversations a quarter (caching, partitioning, payment-rail redundancy).

What we're looking for

• 5+ years building backend services in production, at least two of those at a fintech or company moving real money.
• Strong TypeScript or Go background; you can read either, ship in TS.
• Postgres fluency — you have written non-trivial migrations under load and know what FOR UPDATE SKIP LOCKED means.
• Comfortable owning incidents end-to-end: detect → triage → fix → write postmortem → ship the safeguard.
• Plain-language writer. PRs and design docs are for humans first.

Bonus points

• Built lending or payments infrastructure in Nigeria or another emerging market.
• NestJS, Prisma, BullMQ in production.
• Open-source contributions to libraries we use.

The team

Reports into Tunde Balogun (CTO). Pairs with two other backend engineers, the risk lead, and the head of operations.

The hiring process

1. 01
   ApplicationA note to jobs@montaripay.com — your CV, what you'd do, what you want to learn.
2. 02
   Intro call30 minutes with the hiring manager. We talk about the role, you ask anything.
3. 03
   Take-home or pairingA small, paid task that mirrors something we actually shipped recently. Two-hour cap.
4. 04
   Onsite loopA 3-hour day at the V.I. office (or full-day on Zoom). You meet your future teammates.
5. 05
   OfferA written offer with comp, equity and start date — within 48 hours of the loop.