Senior Software Engineer – Prepaid Card Payments
- Job Type Full Time , Hybrid
- Qualification BA/BSc/HND , MBA/MSc/MA
- Experience 7 years
- Location Lagos
- Job Field ICT / Computer 
About the Role
- We are seeking a highly skilled and experienced Senior Software Engineer with deep expertise in payments processing and strong technical proficiency in C++ and PL/SQL. The ideal candidate will have hands-on experience with Visa and/or Mastercard processing as a Third-Party Processor (TPP), a solid understanding of ISO 8583 and PostBridge specifications, and a background in the banking or fintech sector. This role will focus on designing, developing, and maintaining high-performance, secure payment processing applications with emphasis on dual message prepaid card processing and an interest in extending into debit card processing.
- The position is location agnostic. (Lagos, Nigeria/ Nairobi, Kenya/ Johannesburg, South Africa/ Zimbabwe)
Key Responsibilities
- Design, develop, and maintain payment processing applications using C++, python, Bash and PL/SQL.
- Assist with daily support activities and identify automation opportunities
- Implement and enhance systems that comply with Visa and Mastercard TPP requirements, including certification and compliance updates.
- Work with ISO 8583 and PostBridge protocols to ensure reliable message parsing, routing, and settlement.
- Support dual message processing for prepaid card transactions and contribute to expanding capabilities for debit card processing.
- Collaborate with business, operations, and compliance teams to deliver solutions aligned with financial industry regulations and standards.
- Troubleshoot and resolve complex transaction processing issues in production environments.
- Optimize system performance, scalability, and security for mission-critical applications.
- Mentor junior engineers and provide technical leadership in payments domain knowledge.
Qualifications
- Bachelor’s degree in Computer Science, Engineering, or related field (Master’s preferred).
- 7+ years of software development experience, with expert-level proficiency in C++ and PL/SQL.
- Strong background in Visa/Mastercard payment processing as a Third-Party Processor (TPP).
- Proven experience with ISO 8583 message specifications and PostBridge.
- Hands-on experience with dual message credit card processing.
- Banking or fintech industry experience required.
- Familiarity with debit card processing highly desirable.
- Knowledge of transaction security, encryption, and PCI DSS compliance.
- Strong analytical, troubleshooting, and problem-solving skills.
- Excellent communication and teamwork skills.
Preferred Skills
- Experience with switching platforms and real-time transaction processing systems.
- Exposure to cloud-native architectures and containerized deployments (Docker, Kubernetes).
- Knowledge of fraud detection, settlement, and reconciliation processes.
- Familiarity with Agile/Scrum methodologies.
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Method of Application
Summary
- We are looking for a Mid–Senior Go Developer to build and scale high-performance fintech systems, including ledger-based wallet platforms and transaction processing services. This role focuses on low-latency, highly reliable backend systems. Leadership and mentoring experience is a plus.
Key Skills
- Golang (concurrency, performance-critical systems)
- PostgreSQL (financial / ledger data models)
- Kafka / MQ (event-driven architectures)
- Redis (caching, performance optimization)
- Designing scalable, resilient backend services
Preferred Experience
- Fintech, payments, or financial platforms
- Ledger-based wallets and transaction systems
- Open-source platforms (Midaz experience is a strong advantage)
- Technical leadership or mentoring
Nice to Have
- Microservices architecture
- Docker, Kubernetes, Cloud (AWS / GCP / Azure)
Experience
- 5–8 years