Senior Product Engineer

📋 Description

• • As a Senior Product Engineer at Kovo Credit Inc., you will be at the forefront of building and scaling innovative financial empowerment products designed to unlock access to credit and accelerate economic opportunity for millions of underserved Americans.
• • This role offers unparalleled ownership, empowering you to not only engineer solutions but also to deeply influence the product direction and strategy. You will be instrumental in shaping the problems we tackle and the methods we employ to solve them, moving beyond a purely execution-focused mindset.
• • You will be expected to aggressively leverage cutting-edge AI-assisted development tools to dramatically accelerate your output and maximize your impact. This includes embracing AI for code generation and workflow enhancements, while maintaining an unwavering commitment to strong code quality and avoiding "AI slop."
• • Kovo Credit Inc. is an early-stage startup with a mission to transform financial access. We believe in the power of economic independence and are building a platform that creates pathways to credit and financial inclusion for individuals traditionally excluded from these opportunities.
• • Our company has demonstrated significant growth, scaling revenue 20x over the past three years with exceptional revenue efficiency, placing us in the 99th percentile. We are a venture-scale company that has achieved positive free cash flow early on, allowing for less dilution for our employees as we pursue ambitious growth targets.
• • We are backed by prominent investors like Inspired Capital and Homebrew, and our support network includes founders and leaders from industry-leading companies such as Plaid, Column, Ramp, Affirm, Cash App, and more.
• • This position is ideal for individuals who are excited by the prospect of direct impact on millions of lives, thrive in environments with high ownership and minimal bureaucracy, and value speed, continuous learning, and significant impact as core tenets.
• • You will own product areas end-to-end, often starting from a blank slate and iterating rapidly based on data and user feedback. This involves making pragmatic, data-driven tradeoffs between speed, quality, user experience, and scalability.
• • A key aspect of this role involves developing and communicating well-reasoned product opinions, backed by robust evidence derived from data analysis, business context, and direct customer input.
• • You will play a crucial role in establishing best practices, patterns, and norms for product-oriented engineering within the team, contributing to the evolution of our engineering culture.
• • The core technology stack includes Node.js (TypeScript) on AWS for backend services and React (Next.js) on Vercel for the frontend.
• • You will be expected to dig into data to understand user behavior and product performance, making informed decisions that drive product evolution.
• • The role demands a product-oriented mindset, characterized by intrinsic curiosity about users, data, the business, and opportunities for process improvement.
• • You will be motivated by ownership and accountability for tangible outcomes, prioritizing the successful delivery of high-quality features over the mere act of writing code.
• • Thriving in ambiguity is essential, as you will be comfortable defining success and navigating evolving priorities.
• • You will be comfortable working across both backend and frontend domains, contributing to a cohesive product experience.
• • The role requires a strong focus on shipping high-quality code rapidly, embracing a high-intensity work environment and an ambitious workload, which may often exceed 50 hours per week.
• • You will be a proponent of the evolving landscape of software engineering, seeing AI as a force multiplier that enhances output and impact, while rigorously maintaining code quality and a discerning eye for AI-generated content.
• • This position is for individuals who are passionate about building impactful products and are eager to contribute to a fast-paced, high-growth startup environment.
• • You will collaborate closely with cross-functional teams, including product management, design, and other engineers, to bring product visions to life.
• • The opportunity to define and refine engineering processes and contribute to architectural decisions will be integral to your role.
• • You will be a key player in scaling our platform to meet the demands of a rapidly growing user base.
• • This role is a unique chance to make a significant difference in the financial lives of millions, working on challenging problems with a dedicated and talented team.