Key Responsibilities

MiniApp Development

• Design, develop, and maintain mini-applications on the M-PESA Super App platform using modern frameworks (e.g., React, Vue, Flutter).
• Implement APIs and SDKs for seamless integration with M-PESA Core Services (payments, authentication, wallet, and merchant services).

Integration & Ecosystem Enablement

• Work closely with internal and external developers, startups, and merchants to onboard and integrate their services into the MiniApps platform.
• Ensure API contracts, sandbox environments, and developer tools are well-documented and easy to use.

Security & Compliance

• Apply secure coding practices aligned to Cybersecurity baselines standard and regulations.
• Implement tokenization, secure session handling, and strong identity verification (OAuth2/JWT).

Performance & Reliability

• Optimize mini-apps for performance, offline capabilities, and minimal data usage.
• Ensure resilience, observability, and scalability across multiple user journeys.

Collaboration & Continuous Improvement

• Partner with Product Owners, Designers, Architects, and QA to deliver high-quality features.
• Contribute to internal developer platforms and tooling to improve the speed and consistency of MiniApps delivery.
• Participate in code reviews, CI/CD pipelines, and Agile ceremonies.

Qualifications

Qualifications & Experience

• Bachelor’s degree in computer science, Software Engineering, or related field (or equivalent experience).
• 3+ years of experience in mobile/web application development with modern frameworks (React, Vue, Angular, Flutter, React Native).
• Handson experience in development of native mobile apps on Android and iOS operating systems using kotlin and swift programming languages
• Strong experience with RESTful and GraphQL APIs, API Gateways, and secure integrations.
• Solid understanding of OAuth2, JWT, and token-based authentication.
• Hands-on experience with payments, fintech, or e-commerce applications is highly desirable.
• Familiarity with CI/CD pipelines (Jenkins, GitHub Actions, GitLab CI) and containerized environments (Docker, Kubernetes/OpenShift).
• Strong problem-solving skills, debugging, and performance optimization experience.
• Experience building super-app mini-programs (e.g., WeChat Mini Programs, Alipay MiniApps).
• Knowledge of cloud-native architectures and microservices.
• Familiarity with SDK development for third-party integration.
• Exposure to design systems and UI/UX best practices.

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Responsibilities

• Uphold the company code of conduct, policies and procedures, ensuring integrity and accountability in every aspect of your work.
• All employees have a responsibility to adhere to safety, health, and wellbeing  policies, guidelines and procedures in all actions and decisions.

Fraud Detection

• Develop and correlate insights on current and emerging fraud trends and derive critical information to aid in decision making and performance benchmarks for fraud controls.
• Support in the development and optimization of fraud rules and models in response to current and emerging fraud trends.
• Support integration and optimization of fraud automations with business systems, and required data feeds aimed at improving detection ability and control environment.
• Setup of tracking mechanisms to monitor fraud KPIs and conduct deep dives geared towards success of the fraud initiatives within strict timelines.
• Collaborate with the various squads towards implementing short to medium term fraud controls
• Active participation in fraud reviews and other fraud monitoring initiatives.

Risk Analysis and Audit

• Practice and collaborate on Risk assessments for products and services with internal stakeholders.
• Continuous assessment and evaluation of Fraud control suitability and approach to specific customer fraud risk areas.
• Build and maintain relationships with internal and external stakeholders required for supporting execution of the tasks to manage customer safety and security on fraud.

Forensic Reviews and Investigation

• Execution of Forensic reviews across Business risk areas.
• Articulate required fraud controls to be inbuilt in products, services and processed with on-time and on-demand analytics to support Agile product development.

Data Analytics and Mining

• Work closely with Data Science teams towards delivery of short to medium term development  of fraud analytics models to address prevention of fraud in GSM, MPESA and new product areas.
• Provide insights on customer pain areas to address gaps in Product design, processes that expose customers to Fraud.
• Develop insights on current and emerging customer fraud trends and fraud risk areas into actionable use cases.
• Active participation in all fraud monitoring activities.
• Create fraud solution use cases and detailed product roadmap documents to articulate desired features and functionalities of the desired Fraud architecture and functionalities.
• Track and analyze frontline metrics for Demand.
• Identify gaps and opportunities for addressing triggered and untriggered demand management interventions.
• Support front line teams with required insights on demand and collaborate on first time resolution of demand.

Automation, Reporting and Tooling

• Define risk based automation and reporting requirements for monitoring of fraud solutions KPIs for all products and services.
• Deliver continuous insights on Worry Free Initiative to elevate it to a breakthrough  Financial Services Industry innovation.
• Develop and maintain integrated reports within  the function to capture well defined performance metrics for rules, AI models and Demand Management.
• Work closely with other business stakeholders on reporting unification for Corp Security Demand
• Develop insights from 24-7 monitoring to drive use cases for automation and controls refresh.

Core competencies, knowledge and experience:

Customer Obsession

• Deepen team connection to our customers and communities.
• Foster authentic relationships with customers and partners that build trust.
• Explicitly take customer-centric decisions and take personal ownership to achieve results.
• Simplify processes through digitalisation and promote a digital mindset and digital first customer experience.
• Stay focused on the big priorities, know when to make meaningful trade-offs and demonstrate brilliant execution.

Purpose

• Create an inspiring vision for your team to drive strategy and performance.
• Show ambition and courage, empowering others to go beyond the plan.
• Bold and challenge teams to reimagine how things are done.
• Prompt new thinking and ideas by asking “what if” questions.
• Use knowledge of the external environment (customers, partners, competition, external bodies) to identify and act on opportunities for growth at pace.

Innovation

• Create psychological safety so everyone can have an impact.
• Fuel innovative ideas from others and test them to enable growth.
• Explore successes and failures with curiosity and resilience; fearlessly recognizing lessons learned.
• Share your ongoing learning and personal purpose with others.
• Learn fast from digital adoption, using learnings to drive simplicity, scale and efficiency.

Collaboration

• Articulate your team’s role in making our strategy happen, prioritizing and aligning resources with current and future needs.
• Actively collaborate to break silos and hold your team accountable to do the same.
• Develop others to make the most of their talents and coach them to take ownership to get things done.
• Create an inclusive environment ensuring the safety and wellbeing of others.
• Live our Purpose and demonstrate the highest Standard of integrity.

Qualifications

• Relevant degree in Business, Engineering or IT Undergraduate Degree or relevant field along with professional qualifications.
• Professional certification in AI, Data Science, Fraud Examination, Auditing, IT Security.
• Competencies in software development/ data extraction technologies and platforms e.g. {C#, Java, Python, C, C++, Objective C, Flutter, Oracle, MySql, Sql Server,Nosql Databases,Virtualization Using Docker, Linux and Windows Administration, ETL,  Soap/Restful Web Services, USSD, SMPP, Cloud Computing using AWS/Azure}.
• Understanding of Agile Methodology, Machine learning, Bot development, Penetration Testing, QA, Project Management, Micro services, SANs security compliance, and Technical documentation.
• At least 3 years as a software engineer/developer or data science experience.
• Proficiency in data analysis and trend profiling using big data technologies such as Apache Hadoop,Apache spark, or Power BI.
• Ability to work in complex environments and multiple projects simultaneously with strict deadlines to deliver on commitments.
• Highly developed interpersonal and communication skills.
• Possess high professional and ethical standards.