Position: Senior Software Engineer
Reports to: Software Team Lead / Software Architect
Location: Mexico City, Mexico
Experience: 6+ years of continuous experience working on enterprise software application development OR an advanced degree in a related discipline and at least 4+ years of continuous experience working on enterprise software application development
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.
KEY PAGA FACTS
CULTURE AND VALUES
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.
LAUNCHING PAGA MEXICO
We are launching our business in Mexico because we see a unique opportunity to leverage our platform and 10+ years’ experience in Nigeria to digitize cash in Mexico and deliver financial services to the mass market.
Mexico is the 15th largest economy in the world and Latin America’s 2nd largest economy. Yet, cash payments represent 82% of consumer transactions in 2018.
There is a significant opportunity to offer digital payments to solve the cash problem in Mexico. Paga is uniquely placed to solve this problem because of our expertise in digitizing mass market; our robust and scalable platform that is already built and is multicurrency, multilingual, and holds any type of account; and we already have a wide array of offerings we can bring to bear in Mexico.
Paga is now building its team in Mexico.
We are starting by building a core team that will lead the establishment of Paga Mexico with the support of their other Paga global counterparts.
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.
We were founded on the simple belief that the growing ubiquity of the internet and mobile phones enables us to build an ecosystem that empowers everyone to digitally send and receive money and to use simple but meaningful financial services.
At Paga we value above all else, Collaboration, Ownership, Results Orientation.
Integrity and Innovation (CORII).
As a Senior Software Engineer at Paga, you will take on ownership for the implementation and technical effectiveness of broad functional and/or technical areas of the platform. You will be expected to contribute meaningfully to the design and improvement of the solutions you work on. You will be expected to contribute to the development of the improvement of the software development practice as a whole through peer leadership, code review, technical training, process improvement and technical thought leadership.
KNOWLEDGE AND SKILL REQUIREMENTS
NON-TECHNICAL VALUES & TRAITS
IMPORTANT: Please submit resume in English.
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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