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.

About us

• 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.

Why you might be excited about us

• Direct impact on millions of people’s ability to access credit

• High ownership with minimal bureaucracy

• Speed, learning, and impact are core values

Why you might not be excited about us

• 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)

About the role

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.

What you’ll do

• 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

About you

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

Compensation Range: $150K - $250K