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

• Drive end-to-end development of our applications, with a focus on performance, scalability, and reliability

• Design and scale infrastructure and services to deliver fast, efficient performance across regions

• Build and optimize frontend components for responsiveness and accessibility across mobile and desktop devices

• Lead technical discussions, provide guidance, and mentor junior engineers

• Collaborate cross-functionally with product and design to deliver impactful features

• Ensure code quality through reviews, refactoring, and maintaining best practices across the codebase

Requirements

• Proven expertise in Ethereum and TypeScript

• Strong experience with Postgres, Next.js, and React

• Track record of building and scaling production web applications

• Deep understanding of backend performance and optimization techniques

• Experience scaling infrastructure, including databases, hosting, and networking

• Exceptional problem-solving skills and attention to detail

Nice to have

• Experience providing technical leadership or mentorship

• Familiarity with shadcn, World’s MiniKit, and Viem/wagmi

• Contributions to open-source software projects

Divine Research is an equal opportunity employer.