Join an early-stage startup.
Accelerate economic opportunity.

Join us as a Backend Engineer to build and scale the infrastructure that powers financial access for millions of underserved Americans. This role is for you if you want to own critical systems end-to-end and care deeply about performance, reliability, and scalability. 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 and system reliability.

About us

• Kovo is expanding access to financial tools for people historically excluded from the traditional credit system. We believe everyone deserves the opportunity for economic independence, and we’re building products that help people establish financial identity and unlock opportunity.
• Over the past three years, Kovo has grown revenue 20x while maintaining exceptional capital efficiency. We rank above the 99th percentile in revenue-per-employee benchmarks, reflecting the leverage of a small, high-performing team.
• The team combines the ambition of a venture-scale company with the discipline of a profitable business. We reached positive free cash flow early in our lifecycle, allowing us to grow with less dilution and focus on building for the long term.
• Kovo is backed by Inspired Capital and Homebrew, and built by alumni from Plaid, Experian, Equifax, TransUnion, Innovis, Chime, Cash App, Robinhood, Honey, Possible, Monzo, Mercury, and more. We're looking for exceptional people to help us scale the company another 20x and beyond.

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.