Paga Tech


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
3.5m 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.

Paga has had an intimate relationship with Ethiopia since its inception. In fact, most of the Paga technology platform was built in Ethiopia. Paga continues to grow its presence in Ethiopia and is committed to employing and growing some of the best technical and business talents in the country.

JOB DESCRIPTION: Senior Software Engineer

Company: Paga

Sector: FinTech

Position: Senior Software Engineer

Reports to: Software Team Lead / Software Architect

Location: Addis Ababa, Ethiopia.

Job Requirement
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


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 enable 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 in 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.


Bachelor’s degree in a related discipline
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
Ability to multitask very well
Solid experience working with team development tools and organization structures.
Comfort and experience providing technical leadership in a software development team

Code Sophistication – Understands a wide range of complex code constructs, design patterns and frameworks proficiently and is able to navigate and apply them in their work. Is able to adapt third-party frameworks to work better within their own domain of work. Is able to conceive of and implement custom frameworks that improve product development for themselves and others.
Code Performance and Optimization – Is a “performance-maven”, consistently applying performance-optimization considerations in work products. Actively contributes to the improvement of product design from a technical perspective including usability, security, memory management, manageability, reliability, and performance.
Abstraction Knowledge – Has mastery of most abstract software engineering concepts, applies them broadly across their work, and improves the work of junior peers by applying these concepts in feedback.
Technical Independence – Has end-to-end product development ownership for broad products/features/framework or product areas. Engages and provides constructive input into platform-wide technical and architectural discussions.
Code Testing (Manual, Auto, Unit) – Contributes to the overall improvement of code testability and code testing tools and processes.
Code Review Quality – Consistently performs in-depth code review within areas of responsibility, with feedback that goes beyond typical error-checking to include overall structure, performance, reliability, and maintainability of the platform & codebase.
IDE/Tool Usage & Routine Automation – Implements automation to improve the development practice individually and across the team. Implements useful tools to improve development practices.
Process Adherence & Development – Helps oversee process adherence across the team and contributes meaningfully to process improvement.
Aesthetic Design – Contributes to the improvement of overall product design through insightful feedback and implementation. Oversees aesthetic standards of more junior peers.

Scope – Owns end-to-end responsibility of medium-sized or relatively complex projects including engagement with project stakeholders. Requires little-to-no supervision of day-to-day work and consults senior architects when appropriate. Manages other more junior engineers contributing to their area of work.
Initiative – Independently identifies technical problems and proposes solutions across the platform, particularly in their areas of mastery. Seeks out ways to improve the system and product development practice and proposes them to the team leader. Seeks out opportunities to improve the work-products of their peers. Own the technical testing and performance planning side of their projects
Follow Through/Scrappiness/Grit/Availability – Drives high-quality completion of their products fairly independently with little-to-no supervision. Influences stakeholders in their areas effectively to bring solutions to life. Is highly available in urgent moments to solve technical problems.
Mastery/Depth of Understanding – Is the go-to expert in some significant area(s) of the codebase. Has a basic understanding of all key system frameworks and components and a deep understanding of some. Has strong business knowledge in one or more business functional areas. Thoroughly understand company processes an
How to Apply
Click Here to apply for this job no later than February 28, 2021.

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

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Paga Tech

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