Job Title: Full Stack Engineer (Payments)
Industry: Fintech | B2B Cross-Border Payments
Location: Lagos / Hybrid
Job Type: Full-Time
Salary: ₦800,000 – ₦1,200,000

We are helping a fintech client build core payment infrastructure for Nigerian businesses sending and receiving funds across 100+ countries. If you understand how money actually moves across borders and want real architectural influence, keep reading.

We are a premium software design and development agency dedicated to creating exceptional digital experiences. Our commitment to greatness drives everything we do.

You will help design and own critical payment flows including:

• Payment initiation, FX conversion, routing, settlement, and reconciliation.
• Integration with banking APIs, payment processors, and stablecoin rails.
• Backend services for transaction processing, compliance checks, and webhook handling.
• Internal dashboards and client-facing transaction tracking tools.
• Automation of operational and compliance workflows.

Reliability matters here. Uptime, idempotency, audit trails, and clean financial records are non-negotiable.

• 4+ years full stack experience.
• At least 2 years in fintech or payments.
• Strong backend capability in Go or Spring Boot (Java preferred). Node.js or Python considered.
• Solid React experience for building functional, production-grade UIs.
• Proven experience integrating payment or banking APIs in production.
• Strong understanding of FX, settlement cycles, reconciliation, and webhook handling.
• PostgreSQL and financial data modelling experience.
• Working knowledge of KYC, KYB, and AML fundamentals.
• Experience deploying production services on AWS or DigitalOcean.

Strong Advantage If You Have

• Experience with stablecoins such as USDT or USDC.
• Background in cross-border, remittance, or FX products.
• Worked with African banking infrastructure.
• Built multi-currency ledgers or double-entry accounting systems.

Not a Fit If

• Your only payments experience is e-commerce checkout plugins.
• You have never worked in regulated financial systems.
• You need heavy guidance on system design.
• You prefer executing tickets over owning systems.

This role is for engineers who think in systems, understand financial integrity, and want to shape the core architecture of a cross-border payments platform.

How to Apply
If interested, send a short note with your CV to: hello@tjoc.dev

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