Full-stack Software Engineer

Location

San Francisco

Employment Type

Full time

Location Type

On-site

Department

Engineering

Traditional credit was built for people who already have money. Requirements for credit history, collateral, and costly underwriting create insurmountable barriers for those who need capital most—over 1.4 billion people lack access to credit. A vendor in Lagos earns cash daily but can't prove steady income. A Colombian nurse with years of perfect informal repayments remains invisible to banks. Even those with savings find themselves excluded. The economics are clear : serving the global majority remains structurally unprofitable for traditional institutions.

We abandoned these assumptions to create Credit. Instead of expensive verification, we use progressive trust-building : loans start small and can grow to USD $1,000+. In Argentina, users call it la salvación del mes—the month\'s salvation. Undercollateralized lending at scale. Since December 2024, Credit has issued 175,000+ loans to 100,000+ unique borrowers worldwide.

We\'re building not charity but a profitable system serving those whom banks structurally cannot. We see an encouraging future : Instantaneous. Universal. Algorithmic by design. The technology exists. The demand is massive. Join us in making credit a human right, not a privilege.

About the role

We’re seeking a fullstack software engineer to spearhead frontend and backend development across product applications, including our World MiniApp and lending app. You should have expertise in Ethereum and TypeScript, along with strong knowledge of Postgres, Next.js, and React.

While speed is crucial, we place equal emphasis on quality, rigor, and optimization. Our products need to perform smoothly for users worldwide, particularly those using lower-end devices.

Working closely with the founding team, you\'ll ship frequently and make a direct impact on thousands—if not millions—of lives. You\'ll see your work being used by thousands of people every day.

Stack

• Next.js (Typescript)
• Postgres
• React
• Tailwind (shadcn)
• World’s MiniKit
• Viem / wagmi

Key responsibilities

Requirements

Nice to have

Divine Research is an equal opportunity employer.

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