Job Level

C12

Job Function

RC

Job Family

Software Engineer, Nigeria

Location

Nigeria

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About the Team

The Risk Intelligence & Automations team sits at the core of Chipper Cash’s mission to build a trusted, compliant, and frictionless financial ecosystem across Africa and beyond.

We design and deliver systems that detect fraud, automate compliance, and power data-driven decisions spanning onboarding controls, vendor integrations, screening services, authentication, and real-time transaction monitoring.

We operate as a lean, AI-first engineering team, building the internal infrastructure that enables Chipper to move fast while staying secure and compliant.

Who we are

Chipper Cash was founded in 2018 by Ham Serunjogi and Maijid Moujaled, with the aim to “chip away” at the problem of inaccessible financial services, a high population of underbanked consumers, reliance on cash for daily commerce and the difficulty of cross-border transactions. Today, Chipper Cash is connecting more than three million people in Africa, one transaction at a time with an easy-to-use mobile app that makes money transfers fast, secure and free. Whether it’s sending money home to support your family, running a cross-border business or paying local expenses, Chipper Cash saves time, saves money, and opens up new opportunities for Africans everywhere.

With plans for rapid expansion, the Chipper Cash mobile app is currently available to consumers and businesses in eight countries, including Ghana, Kenya, Rwanda, Tanzania, Uganda, Nigeria, South Africa and the UK. Headquartered in San Francisco, California with offices across the globe, Chipper Cash delivers fair financial services that make the lives of millions of Africans better in a small way, every day. Chipper’s mission is to unlock global opportunities and bring Africa together, one transaction at a time. Come join us. For more information, please visit our website: www.chippercash.com

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About the Role

As a Software Engineer, you’ll work on end-to-end product features across our modern Python + TypeScript + SQL stack—owning development from backend APIs to data pipelines and light frontend tooling. You’ll be embedded in a small, autonomous team shipping real impact across compliance, fraud, and risk systems.

You’ll collaborate with data engineers, compliance stakeholders, and ML practitioners to design scalable, reliable, and automation-first systems that keep Chipper’s ecosystem.

What You’ll Do

• Build and extend backend services in Python and TypeScript (Node.js) powering fraud detection, screening, and compliance automation workflows.
• Design and maintain SQL-based data models and transformations (DBT or similar) to support analytics, dashboards, and rule engines.
• Develop lightweight frontends and internal tools to automate manual compliance workflows.
• Contribute to the architecture and reliability of end-to-end systems, ensuring high uptime and observability.
• Collaborate with data science teams on AI-driven automation projects, including LLM-assisted decisioning and review summarization.
• Write clean, maintainable, and well-tested code while participating in reviews, documentation, and release processes.

What We’re Looking For

Required Skills

• Strong programming skills in Python and TypeScript/Node.js, with a desire to work across the full stack.
• Solid understanding of SQL and data modeling principles.
• Demonstrated ability to take ownership of projects from concept to production.
• Interest in building systems that intersect risk, compliance, and intelligent automation.

Preferred Skills

• Familiarity with React or React Native for internal tools.
• Experience with DBT, Airflow, or similar data pipeline tools.
• Exposure to Large Language Models (LLMs) or AI-driven workflow automation.
• Knowledge of authentication, KYC/KYB, or fraud detection systems is a plus.

Who You Are

• You’re a builder who thrives in ambiguity and takes initiative to learn fast.
• You think in systems, not silos, comfortable spanning backend, data, and frontend where needed.
• You balance engineering rigor with product intuition, caring deeply about usability and speed.
• You’re passionate about using technology to reduce fraud, risk, and friction in financial ecosystems.

What We Offer

• Hands-on experience with high-impact compliance and risk automation systems.
• Mentorship from senior engineers and cross-functional collaboration across fraud, data, and compliance teams.
• A front-row seat in a mission-driven fintech tackling some of Africa’s most complex technical challenges.
• Exposure to the full product lifecycle from ideation to deployment in a high-growth startup.
• Opportunity for full-time conversion based on performance and impact.

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Qualifications

• Bachelor’s degree in Computer Science, Software Engineering, Data Science, or a related technical field (or equivalent practical experience).
  
  
• Proven experience (2–5 years) in backend or full-stack development, ideally within fintech, compliance, or data-intensive environments.
  
  
• Strong proficiency in Python and TypeScript/Node.js, with a solid grasp of modern development frameworks and design principles.
  
  
• Hands-on experience working with SQL databases, including schema design, query optimization, and data modeling.
  
  
• Demonstrated ability to design, build, and maintain scalable backend services or APIs.
  
  
• Experience with version control (Git), unit testing, and CI/CD best practices.
  
  
• Excellent problem-solving and analytical skills, with a focus on system reliability and automation.
  
  
• Strong communication skills and ability to work cross-functionally with data, compliance, and risk teams.

Location:

This role is based in Nigeria and follows a hybrid work arrangement. Candidates must be currently residing in Nigeria and able to collaborate with both local and remote teams.

Next Steps

If you feel you are a fit, please send in your application to careers@chippercash.com by 7th November 2025. It means a lot to us that you have taken the time to read through our job description so thank you for your time. We wish you all the best in your job search.

We hire candidates of any race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, Veteran status, and any other status. Chipper Cash is proud to be an Equal Opportunity Employer and will consider qualified applicants with criminal histories in a manner consistent with the San Francisco Fair Chance Ordinance. If you have a disability or special need that requires accommodation, please let us know.

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