Senior Backend Engineer (AI-Native)- Remote

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 outputs

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

Umba is proud to be an Equal Opportunity employer. All qualified applicants will receive consideration for employment without regard to sex, gender identity, sexual orientation, race, colour, religion, national origin, disability, protected veteran status, age, or any other characteristic protected by law. We also consider qualified applicants regardless of criminal histories, consistent with legal requirements. If you have a disability or special need that requires accommodation, please let us know.