Full-stack Software Engineer

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 a steady income. A Colombian nurse with years of perfect informal repayments remains invisible to banks. Most lending systems spend a lot to guess who will repay, and yet so many who are creditworthy still can’t get a loan.

We built an alternative called Credit. Since December 2024, it has issued over one million undercollateralized loans using stablecoins. People from around the world have used these loans to pay for things like groceries, medicine, and transportation. Backed by $6.6 million from Paradigm and Nascent, we're scaling a system that has already reached more than 900,000 unique borrowers. Help us take it to the next level.

About The Role

We're looking for a full-stack engineer to build our mobile application for Credit, our leading undercollateralized lending system. The app will interact with our smart contracts to deliver a fast, seamless experience for users. You'll work closely with the founding team, ship frequently, and directly impact hundreds of thousands of lives.

This role is based in San Francisco, California. We work in a hybrid model, with the team in office 3 days per week.

Stack

• React Native (TypeScript)
• Viem/wagmi
• Postgres
  
  

Key Responsibilities

• Own end-to-end development of our iOS and Android applications
• Design and scale infrastructure to deliver fast, reliable performance worldwide
• Lead technical discussions and mentor junior engineers
• Collaborate with product and design teams to ship impactful features
• Maintain code quality through reviews, refactoring, and enforcing best practices
  
  

Requirements

• Proven experience building production React Native apps with real users
• Deep understanding of backend performance and optimization
• High quality standards—able to maintain near-perfection while shipping on time
• Creativity, strong design sense, and passion for building seamless mobile experiences
• Experience scaling infrastructure, including databases (Postgres), hosting, and networking
• Exceptional problem-solving skills and attention to detail
  
  

Nice to have

• Experience with Ethereum development
• Familiarity with Next.js and React for web
• Native mobile development experience (Swift for iOS or Kotlin for Android)
• Track record of technical leadership or mentorship
• Open-source contributions
  
  

Divine Research is an equal opportunity employer.