Senior Backend Engineer (AI-Native)- Remote

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Description

About Umba Umba is a pan-African digital bank operating in Kenya and Nigeria, with a mission to make financial services more accessible, affordable, and empowering for millions of people across Africa. We are transforming how banking works on the continent by building intelligent, automated financial products powered by machine learning. Our platform offers digital banking, lending, and payments through Android, iOS, and Web applications, serving both individuals and businesses at scale. Headquartered in Nairobi, Umba acquired a licensed deposit-taking microfinance bank in 2023 and has since grown revenue more than sixfold. We are looking for exceptional people who share our ambition, energy, and belief that technology can unlock financial freedom. About the Role We are looking for an experienced Back-End / Full-Stack Engineer to design, build, and scale the core services behind financial technology products. You will work primarily in Python (Flask, FastAPI), building secure, high-performance APIs that move money and handle sensitive customer data at scale, while also contributing across the stack where needed. This is not a traditional engineering role. We operate in an AI-native development environment, where engineers leverage tools like Claude Code, Codex, and other LLM-based systems to accelerate development, generate code, and iterate quickly. As a result, the role increasingly focuses on: Defining clear technical specifications Orchestrating AI agents to implement sys

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