Backend Engineer (.Net)

We are seeking a skilled Backend Engineer (.NET) work with our Payments and Collections team under the CTO, Platforms. The successful candidates will be responsible for developing, maintaining and supporting payment and collections services, including direct debit processing, loan repayment collections and integrations with banks and payment processors.

The role involves building reliable backend systems, ensuring accurate payment processing and reconciliation with core banking systems, and supporting seamless financial transactions. Candidates must be capable of working across core backend development and system integrations to meet evolving business and operational requirements.

The candidate will build, integrate and run the services that collect and move money for CDL. The engineer works on both the core logic of our payment services and their connections to payment processors, banks and core banking.

Responsibilities

Core development

• Build and extend payment and collections services: direct debit mandates, repayment schedules and payment workflows.
• Build an admin configuration centre so payment timing, retry rules and routing can be changed without a software release, with second-person approval, an audit trail and one-step rollback.
• Build smart routing: record every payment attempt by bank and provider, then choose the best provider for each customer's bank, first by rules set by the business and later automatically.
• Implement safe retry and timing rules, such as debiting around pay dates and never retrying a cancelled mandate.

Integrations

• Integrate payment processors and collection channels, such as Remita, NIBSS, Paystack, Mono and OnePipe, and new providers as CDL adds them.
• Turn each provider's different responses and failure codes into one standard set of statuses and failure reasons.
• Bring CDL's separate payment and repayment flows onto shared payment services.
• Build a reliable, reconciled feed of payments into the core banking system, including handling of webhooks, retries and missed events.

Requirements

Must have

• 4 or more years building backend services in C# and .NET (ASP.NET Core).
• Strong SQL and relational database design.
• Experience building REST APIs and background or scheduled jobs.
• Hands-on experience integrating third-party payment APIs, such as Paystack, Flutterwave, Remita, NIBSS or Mono.
• Experience with financial transactions where correctness matters: idempotency, avoiding duplicate processing, webhooks, retries, reconciliation and audit trails.
• Good habits with Git, pull requests and automated tests.

Nice to have

• Experience with direct debit, mandates or loan repayment collections in Nigeria, including NIBSS direct debit or e-mandate schemes.
• Experience with core banking systems, especially Apache Fineract.
• Rules engines, configuration management or feature-flag systems.
• Basic React for internal admin screens, and familiarity with Node.js.
• Familiarity with message queues such as Kafka, and with Docker and Kubernetes.
• Awareness of payment security and data protection practice (PCI DSS, Nigeria Data Protection Act.

Benefits

At Credit Direct Finance Company Limited, we value our employees and strive to provide a comprehensive benefits package that recognizes their contributions and supports their well-being. As part of our commitment to a positive work environment, we offer the following benefits:

Competitive Salary: We offer a competitive salary structure that is commensurate with industry standards and recognizes the skills and experience of our employees.

Quarterly Performance Pay: We recognize and reward exceptional performance. Our quarterly performance pay program allows employees to earn additional compensation based on their individual and team achievements.

Transport Subsidy: We understand the importance of accessible transportation for our employees. To assist with commuting expenses, we provide a transport subsidy to help alleviate the financial burden associated with travel to and from work.

Staff Bus: We offer a convenient and reliable staff bus service for eligible employees, ensuring a comfortable and stress-free commute to the workplace.

Hybrid Work: We believe in providing flexibility and work-life balance. Our hybrid work policy allows eligible employees to work remotely for a certain number of days per week, promoting a healthy work-life integration.

13th Month Salary: As an additional financial benefit, we provide a 13th-month salary to our employees. This extra payment, usually received at the end of the year, serves as a bonus and acknowledges their dedication and commitment throughout the year.

Leave Allowance: We recognize the importance of taking time off for rest and relaxation. In addition to annual leave entitlement, we provide a leave allowance to eligible employees, offering financial support during their vacation time.

Profit Sharing: We believe in sharing our success with our employees. Through our profit-sharing program, eligible employees have the opportunity to receive a share of the company's profits, providing an additional incentive for their dedication and hard work.

These benefits are designed to support our employees' financial well-being, work-life balance, and professional growth. We continuously review and enhance our benefits package to ensure that it remains competitive and aligned with the needs and preferences of our valued employees.