Own product areas end-to-end, leveraging AI-assisted tools in a high-intensity role that directly impacts millions of underserved Americans' access to credit.
Join an early-stage startup.
Unlock access to credit.
Accelerate economic opportunity.
Join us as a Product Engineer to build and scale products that directly impact millions of underserved Americans. This role is for you if you want broad ownership and care deeply about what gets built, not just how it's built. You'll be expected to aggressively leverage AI-assisted development tools to dramatically accelerate your output and maximize impact, all while maintaining strong code quality.
Kovo is transforming financial access for underserved Americans. We believe everyone deserves the opportunity for economic independence. Our innovative financial empowerment platform creates pathways to credit and financial inclusion, empowering individuals traditionally excluded from financial opportunities.
We've scaled revenue 20x over the past three years, and our revenue efficiency (revenue per employee) is benchmarked at the 99th percentile. This is a venture-scale company that has started generating positive free cash flow early in its lifecycle, resulting in less dilution for our employees as we accelerate momentum without being dependent on venture funding to stay alive. We're seeking exceptional individuals eager to help us scale another 20x and beyond.
Kovo is backed by Inspired Capital and Homebrew, along with founders and leaders from Plaid, Column, Ramp, Affirm, Cash App, NerdWallet, Alloy, MoonPay, Uber, Etsy, LendingClub, Grindr, and more.
Direct impact on millions of people’s ability to access credit
High ownership with minimal bureaucracy
Speed, learning, and impact are core values
Roles and priorities evolve quickly
Some systems and processes are still being built
The pace of execution and career growth is intense (not optimized for work-life balance)
Engineering at Kovo is evolving quickly. You will own problems end-to-end, deliver a lot of high-quality code, dig into data, make product decisions, and iterate quickly in production.
Our core stack is Node (TypeScript) on AWS and React (NextJS) on Vercel.
Own product areas end-to-end, shaping both the problems we tackle and how we solve them
Often start from a blank slate, and iterate based on data
Make pragmatic, data-driven tradeoffs between speed, quality, user experience, and scalability
Develop and communicate product opinions backed by evidence
Help establish patterns and norms for product-oriented engineering
Product-oriented mindset
Intrinsically curious about users, data, the business, and better ways of working
Motivated by ownership and accountability for outcomes
Care more about shipping high-quality features than writing code
Can reason about user needs using data, business context, and direct customer input
Thrive in ambiguity and are comfortable defining success as you go
Comfortable working across backend and frontend boundaries
Focused on shipping high-quality code fast - however it gets done
Comfortable in a high-intensity role and seeking an ambitious workload.
Strong sense of ownership and willingness to deliver on tight deadlines. This takes many of our engineers more than 50 hours a week.
Believe software engineering is evolving from writing code to orchestrating AI agents and are excited by this because it force-multiplies your output and impact
Embrace AI generation of code and workflow improvements while maintaining high quality
Hate AI slop and care about code quality
Relevant experience
5+ years or equivalent depth of experience of professional software engineering experience
Experience with most of the following in production: NodeJS, AWS, React
Bonus: Worked with TypeScript in production
Kovo is a financial empowerment platform dedicated to improving access to credit and financial services for underserved Americans. By creating pathways to economic independence, we cater to individuals often excluded from traditional financial opportunities, driving significant growth and efficiency. Our strong revenue performance illustrates our potential to reshape financial inclusion at scale.
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