Software Architect

Product Development · London, London, City of
Department Product Development
Employment Type Full-Time
Minimum Experience Experienced



Paga is solving the “use of cash” problem in emerging markets. Over 2 billion people find it difficult to transfer or leverage money for basic human needs. This leads to the use of cash across most of the world with 90% of transactions in emerging markets performed using cash. Our focus is to digitize cash by building an ecosystem that enables people to digitally send and receive money and delivers inclusive financial services. In all our markets, we take a partnership model in working with local banks and financial institutions.


Our purpose is to make it simple for one billion people to access and use money.


Our strategic intent is to scale an emerging markets payments powerhouse by focusing on large countries where the problems we seek to solve exist. Our first market has been Nigeria where we are the leading mobile money operator. Currently in Nigeria, Paga has a market of 200m people, 53% of whom are under the age of 33. In this, the largest economy in Africa at $405bn, only 36% of adults are banked. The statistics show, however, that 60m people are unbanked while 70m are online – suggesting that the mobile money/mobile fintech environment is poised for exponential growth.


Paga offers a consumer mobile wallet that works on any type of phone – smartphones and feature phones – and any internet enabled device. The Paga wallet is similar to PayPal/Venmo/Alipay - the consumer can link her/his bank accounts or cards or save cash in the wallet. Consumers can then use Paga for a variety of use cases – P2P money transfers, bill payments, paying merchants online or in-store etc. Customers can also access financial services from partner banks and financial institutions on Paga.


Paga reaches the mass market via a network of microbusinesses and SMEs (moms and pops), agents. The agents are independent retailers who offer Paga services in their local communities.


Paga has been recognized locally and globally and has won or been nominated for a variety of mobile money, payment operator, entrepreneurial and related awards. Most notably selected two years in a row for CB Insights Fintech 250, and Paga’s Founder and Group CEO has been identified as one of the 100 most influential people in Africa.




  • 16m unique users
  • 26k agents across Nigeria
  • 5m transactions per month
  • US$200m transaction value per month
  • 520 staff
  • 97% 5-year CAGR on transaction values
  • Paga is PCIDSS Level 1 certified
  • Notable investors include Acumen Fund, Omidyar Network, Adlevo Capital, Capricorn Investment Group, Goodwell, Global Innovation Fund, Tim Draper, Lord Jim O'Neill (Former Chief Economist of Goldman Sachs who coined the “BRIC” term).




Paga has a "down to earth" environment – we are not a hierarchical company. We believe strongly in the African proverb that says, “if you want to go fast, go alone; if you want to go far, go together.” Everyone in the company is encouraged to voice their opinions, to challenge any idea with the aim to improve upon it.


As such, we are very focused on Collaboration as a core value. It is together we will achieve our purpose.


Everyone is encouraged to take Ownership – no passing of the buck, no waiting for your boss to tell you what to do, no micromanaging. We want people to act boldly and if they fail it is fine.


We learn and move forward. Our team is laser focused on achieving Results and challenging ourselves to go for more.


Innovation is at the core of our company. We do not believe there is any system that cannot be improved. We seek to solve problems by engaging with our customers who we seek to serve and try to have empathy to see the world from their point of view.


In our business it is vital we hold ourselves to the highest level of Integrity. We see integrity as a zero-sum game and do not take lightly the trust our customers place in us.



JOB DESCRIPTION: Software Architect


Company: Paga Group Ltd. UK                           

Sector: Financial Services / FinTech

Position: Software Architect

Reports to: Lead Software Architect or Business Lead

Location: London, UK

Experience: 10+ years enterprise software engineering experience





Our purpose at Paga is to make it simple for 1 billion people to access and use money. We do that by delivering innovative financial services to the mass market across large, underserved markets.


At Paga we value above all else, Collaboration, Ownership, Results Orientation.

Integrity and Innovation (CORII).


Product development activities at Paga fall within the Product Development group, which has distinct, full-stack (from a resource perspective) teams dedicated to different functional organization units in the company. For example, one of the functional teams in the Product Development team is the Agent Network Team which is responsible for development and delivery of products used by the large network of financial service delivery point (agents), across the countries where Paga exists. As a full-stack team, this team includes project management, product management, software and database engineering, quality assurance, and UI/UX/Product-Design resources. All teams execute product development using agile (Scrum) methodologies.


As a Software Architect at Paga, you will be responsible for the technical ownership of entire products, platforms or services within the scope of Paga’s business.  You will be responsible for designing and delivering systems that meet all the “ities” expected of enterprise-grade, financial systems (scalability, extensibility, security, etc.). You will be responsible for the technical oversight of one or more teams of Software and Database Engineers, working with you to realize your product vision.




  • A degree in a related discipline
  • 10+ years of continuous experience working on enterprise software application development OR an advanced degree in a related discipline and at least 8 years of continuous experience working on enterprise software application development



To be an effective Software Architect at Paga you must:


  • Be able to quickly grasp abstract concepts and translate them into appropriately abstract or detailed software design and implementation.


  • Be comfortable taking ownership for broad and important areas of enterprise software implementation.
  • Be a core business resource for both technical and non-technical decision making and triage and make themselves available to this effect.


  • Posses mastery over all key aspects of the frameworks and tools within your scope and have strong business-knowledge in the business functional areas you support. Have multi-functional expertise across large areas of the platform/services.


  • Be comfortable in making technical decisions based on the consideration of many potential futures in decision making without knowing exactly what the future is.


  • Clearly understand and effectively weigh business trade-offs in decision-making.


  • Be comfortable operating at both a high and deep-dive (low) levels of abstraction.


  • Be able to multitask well and be comfortable juggling multiple product-development streams at once.


  • Be comfortable with rapid change and be comfortable taking ownership to deliver results in a high-pressure product development environment.


  • Have a passion for quality and an ability and willingness to grow the ability of others in your team to meet those standards. Drive quality delivery across teams with which you work.





  • Vision & Strategic Leadership – Help develop and grow the technical vision for the Paga business and engage meaningfully in the strategic development of the overall business. Engage directly in business strategic leadership when it relates to product and technical decision making.


  • Broad-scoped Technical Ownership – Independently oversees all software concerns for some of the major platform areas or services. Own end-to-end responsibility for a large portion of the software system including design and implementation and including a strong knowledge of complementary engineering aspects such as data management, dev-ops and infrastructure. Own responsibility for key delivery criteria such as performance, reliability, cost, security and maintainability for large portions of the system


  • Technical Leadership -- Oversees key architectural concerns such as security, scalability/performance, reliability, maintainability, and modularity. Applies a platform-wide perspective to decision making around these concerns, including infrastructural, deployment, delivery and other technically relevant concerns.


  • Process Leadership -- Drive development and improvement of technical product development processes in collaborations with product development management.


  • Code Quality Review -- Provide broad-scoped yet in-depth code review for technically complex and high-impact code changes.


  • Partner Engagement – Working effectively with industry/ecosystem partners to accomplish product goals



We are an equal opportunity employer and value diversity inclusion. We do not discriminate on grounds of colour, race, nationality, religion, age, ethnic origin, disability, gender, marital status, or sexual orientation in our employment practices.


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  • Location
    London, London, City of
  • Department
    Product Development
  • Employment Type
  • Minimum Experience