Software Engineer - Backend at Cowrywise Financial Technology Limited

Cowrywise Financial Technology Limited is a digital wealth management platform democratizing access to savings and investment products for the underserved but growing Millenials in Africa. Joining us would mean being part of an interdisciplinary team dedicated to a lofty vision of building the next-generation wealth management platform for Africans.

We are recruiting to fill the position below:

Job Title: Software Engineer - Backend

Location: Lagos

The role

• We need a backend engineer who can own features end-to-end, from database schema to production.
• You’ll work on our core financial platform: portfolios, transactions, third-party integrations, and the systems that keep everything running reliably.
• This role is highly collaborative. You’ll work closely with product and design to figure out what we’re building, then take ownership of how it gets built and shipped.
• Your code handles real money, so correctness matters. We also ship frequently, so speed matters too. The best candidates know how to balance both.

What you’ll do
Features:

• Build backend features for savings products, portfolios, and stock investments
• Own the whole thing: database design, business logic, APIs, tests, deployment, monitoring
• Write code that someone else can read and maintain a year from now
• Work with frontend/mobile to define API contracts.

Systems:

• Build integrations with payment gateways (Paystack, Monnify, etc), fund managers, and KYC providers
• Design systems that handle money correctly. Idempotency, consistency, audit trails. Non-negotiable.
• Debug production issues and be on call for the systems you build.

Performance:

• Optimize database queries, design schemas, and make things fast
• PostgreSQL and Redis for the data layer
• Celery for background jobs.

Code quality:

• Review code and get your code reviewed
• Write tests that actually catch bugs
• Help onboard new engineers.

What we’re looking for
Required:

• 5+ years building production backend systems
• Our primary language is Python (Django/FastAPI), but proficiency in Golang and JavaScript (and TypeScript) is also important
• PostgreSQL, MYSQL: schema design, query optimization, transactions
• Event-driven architectures, message queues (SQS, RabbitMQ, Kafka)
• REST APIs: clean contracts, versioning, error handling
• AWS basics (EC2, RDS, S3, SQS, Lambda)
• Background job processing (Celery or similar)
• Can debug through logs, metrics, and code
• Git, CI/CD, modern workflows
• Can explain technical concepts to non-technical people.

Nice to have:

• Fintech, payments, or financial services experience
• Docker Swarm, Kubernetes, ECS
• Monitoring tools (New Relic, Sentry, CloudWatch)
• Typescript and Golang Experience.

The people who succeed on this team:

• Take ownership without being asked
• Know when to optimize and when to ship
• Write code for humans
• Adapt when requirements change
• Give and receive feedback well
• Care about users, not just code
• Make the people around them better.

Salary
N1,200,000 - N1,600,000 monthly.

Application Closing Date
Not Specified.

How to Apply
Interested and qualified candidates should:
Click here to apply online