About Umba Umba is a pan-African digital bank operating in Kenya and Nigeria, with a mission to make financial services more accessible, affordable, and empowering for millions of people across Africa. We are transforming how banking works on the continent by building intelligent, automated financial products powered by machine learning. Our platform offers digital banking, lending, and payments through Android, iOS, and Web applications, serving both individuals and businesses at scale. Headquartered in Nairobi, Umba acquired a licensed deposit-taking microfinance bank in 2023 and has since grown revenue more than sixfold. We are looking for exceptional people who share our ambition, energy, and belief that technology can unlock financial freedom.

About the Role We are looking for an experienced Back-End / Full-Stack Engineer to design, build, and scale the core services behind financial technology products. You will work primarily in Python (Flask, FastAPI), building secure, high-performance APIs that move money and handle sensitive customer data at scale, while also contributing across the stack where needed.

This is not a traditional engineering role. We operate in an AI-native development environment, where engineers leverage tools like Claude Code, Codex, and other LLM-based systems to accelerate development, generate code, and iterate quickly. As a result, the role increasingly focuses on:

Defining clear technical specifications
Orchestrating AI agents to implement systems
Reviewing, validating, and hardening generated code
Building robust feedback loops and quality control systems

You will collaborate closely with the Data and Product teams to shape architecture and ship features quickly and reliably. This is a highly technical, remote role. You will join a small, high-performing team operating at speed, where ownership is expected and impact is immediate.

Responsibilities

Design, build, and maintain scalable backend services using Python (Flask, FastAPI)
Contribute to front end development (Next.js)
Contribute across the stack when needed (APIs, integrations)
Define clear technical specs that can be executed by AI-assisted development workflows
Use AI tools (e.g. Claude Code, Codex) to accelerate development while maintaining high quality
Review, test, and validate AI-generated code to ensure correctness, security, and performance
Architect systems with a focus on reliability, observability, and scalability
Build strong testing and validation pipelines (unit, integration, automated QA)
Collaborate with Data teams to deliver end-to-end features
Debug complex production issues and implement robust fixes
Continuously improve engineering velocity through tooling and process improvements

Skills and Qualifications

5+ years of software engineering experience in production environments
Strong proficiency in Python and backend frameworks (Flask, FastAPI)
Intermediate experience with frontend development
Experience building and scaling APIs and distributed systems
Comfortable working across the stack (backend, with some frontend exposure preferred)
Strong system design skills and understanding of software architecture principles
AI-Native Engineering Experience (increasingly important)
Experience using AI coding tools (Claude Code, Codex, GitHub Copilot, etc.) in daily workflows
Ability to write clear, structured technical specs and prompts for code generation
Strong code review skills, especially for validating AI-generated output
Understanding of trade-offs, failure modes, and quality risks in AI-assisted development
Experience building guardrails: testing, validation, and monitoring for generated code
Familiarity with modern development workflows (Git, CI/CD, Docker)
Experience with Linux/Unix environments

Bonus

Experience in fintech, lending, or payments systems
Exposure to data/ML systems or model deployment
Experience with blockchain or crypto-related systems

What We Are Really Looking For

Engineers who think in systems, not just functions
People who can leverage AI to move 10x faster without sacrificing quality
Builders who take ownership from idea, to spec, to implementation, to production
Pragmatic problem-solvers who ship

Work Status Valid work authorisation for Kenya

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