
Empowering credit building without the barriers
Kovo, headquartered in Beaverton, Oregon, is a pioneering credit-building platform that offers users instant approval on loans without credit checks. With a focus on helping individuals improve their credit scores across all four bureaus, Kovo provides loans at 0% APR and no fees, while also allowin...
Kovo offers competitive benefits including flexible work arrangements, a remote-friendly policy, and performance-based bonuses. Employees enjoy a supp...
Kovo fosters a culture of inclusivity and innovation, prioritizing customer empowerment and financial literacy. The small team size allows for close c...

Kovo • United States
Kovo is seeking a Senior Backend Engineer to help build performant and stable systems at scale. You'll work with Node.js and TypeScript on AWS to contribute to a financial empowerment platform. This role requires experience in backend engineering and a passion for economic mobility.
You have 5+ years of backend engineering experience building production systems at scale — you've owned services from design through deployment and have navigated the complexities of debugging distributed systems. Your expertise in Node.js and TypeScript allows you to create robust applications that can handle significant user loads while maintaining performance and stability. You thrive in high-intensity environments and are eager to take on ambitious workloads that contribute to meaningful change in the financial landscape.
You are energized by the mission of financial empowerment for underserved individuals — you understand the impact that access to credit can have on economic mobility and are motivated to build software that supports this vision. You appreciate working in a startup environment where roles and responsibilities evolve quickly, and you are comfortable adapting to shifting priorities as the company grows. You value ownership and autonomy in your work, and you are excited about the opportunity to make a broad impact within a small team.
Experience with cloud services, particularly AWS, is a plus, as is familiarity with building scalable systems that can adapt to rapid growth. You are a proactive communicator who enjoys collaborating with cross-functional teams, and you are committed to continuous learning and improvement in your craft.
As a Senior Backend Engineer at Kovo, you will play a crucial role in building and maintaining the backend systems that power our financial empowerment platform. You will work closely with product managers and frontend engineers to design APIs that are efficient and easy to use, ensuring that our users have a seamless experience when accessing financial services. Your contributions will directly impact the scalability and reliability of our systems as we aim to scale our revenue and improve efficiency.
You will be responsible for writing clean, maintainable code and conducting code reviews to uphold high standards within the team. You will also participate in architectural discussions, helping to shape the future of our backend infrastructure. Your experience will guide the team in implementing best practices for performance optimization and system reliability.
In addition to coding, you will have the opportunity to mentor junior engineers, sharing your knowledge and helping them grow in their careers. You will collaborate with other teams to gather requirements and translate them into technical specifications, ensuring that our backend systems align with business goals.
At Kovo, we offer a unique opportunity to be part of a venture-scale company that is already generating positive cash flow. You will join a team that is passionate about transforming financial access for underserved Americans, and you will have the chance to make a significant impact on the lives of millions. We provide a supportive environment where you can work with minimal bureaucracy and have significant ownership over your projects.
We encourage you to apply even if your experience doesn't match every requirement — we value diverse perspectives and are committed to building a team that reflects the communities we serve. Join us in our mission to empower individuals through financial inclusion and help us scale our impact as we grow.
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