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 1.4B 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 Credit to work differently—to reveal creditworthiness through a borrower’s actual behavior. Since launching in December 2024, Credit has issued over 175,000 loans to more than 100,000 unique borrowers using stablecoins on World Chain, with decisions and settlement in seconds and no paperwork, collateral, or data beyond a wallet address.
Join us in advancing open, fair credit.
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.
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.
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