At Beatha Technology we combine advanced tools and techniques to optimize risk exposures and have built a platform that allows users to apply, receive and repay microloans through their mobile phone. Once a user creates an account we validate their information and make lending decisions based on the information they give us and hundreds of data points we take from their mobile phones with their permission. Our platform manages all parts of the lending cycle. No human is involved in any of our lending processes, allowing us to keep extremely low overheads while maintaining a fast, efficient service for the user. Our risk model improves over time as we collect Android metadata as well as customer performance patterns from the usage of the platform. For every applicant, we get more important data to train against. Kenya is our first market. With a labor force of 18m, the average Kenyan monthly income of $255 a month means that over 35% of workers need some advancement on their informal salaries at least once a month. We estimate that the unmet credit demand in Kenya alone to be $18.8bn per year and represents a large opportunity. Informal sources are currently plugging this gap that we want to fill. Outside of Kenya over 2.3bn people worldwide are underserved by the formal financial sector and we intend to roll our service firstly across Africa and then to underserved markets across the globe. Demand is growing for our offering due to increased Smartphone penetration across the board. Smartphone connections in Sub- Saharan Africa have doubled over the past two years to nearly 200 million, accounting for a quarter of mobile connections in 2016. Key factors supporting the growth of smartphone adoption in the region include the increasing affordability of new devices and a growing market for second-hand devices.
We are looking for a Back-End Web Developer responsible for managing the interchange of data between the server and the users. Your primary focus will be development of all server-side logic, definition and maintenance of the central database, and ensuring high performance and responsiveness to requests from the Mobile Apps. We work in a fast moving environment, and we build our team to be autonomous, able to deploy their own code, and solve their own problems. We have split our infrastructure into microservices to divide responsibilities and allow autonomy in language choices. While not a requirement for this job, a healthy curiosity of devops concepts such as infrastructure as code, containerization and continuous delivery is welcomed, and we always encourage cross functional engineers to get out of their comfort zones and into new technologies & disciplines. You will be working with a small, but highly technical team. We have 120k users and work to ensure continuous uptime, and constant improvement. We train and deploy new machine learning models regularly and subscribe to data driven decision making, you will not be just an implementer, but a valued opinion at the table.
Only candidates from Argentina, Brazil, Chile, Colombia, Costa Rica, Ecuador, El Salvador, Mexico, Panama, Peru, Uruguay
Intermediate or advanced spoken English is required for ALL opportunities. If you can't speak English yet, please keep practicing and apply in the future.