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.