In emerging markets, credit infrastructure is broken. Lenders rely on messy documents, fragmented borrower communication, and manual review
Kita is the AI platform for global lending operations. We automate loan origination, application completion, document verification, and credit review for lenders in markets where underwriting is still trapped in messy documents and manual follow-up — from the Philippines and Mexico to the US. Kita’s AI credit officer works directly with borrowers over WhatsApp, Viber, SMS, and email to collect missing information, resolve inconsistencies, and keep applications moving, while our AI underwriter extracts fraud-checked data and localized risk signals from chaotic financial documents to support faster, higher-quality credit decisions. The result is a more complete application pipeline, dramatically lower manual review burden, and a lending operation that moves faster without compromising risk.
We’re a Stanford AI team backed by Y Combinator, top funds, and leading angels across Silicon Valley and Southeast Asia. During the YC batch, we grew ~40% week-over-week with customers across three continents. Our CTO was ranked #1 in Stanford CS in 2025.
Kita is seeking a Founding Engineer, Data Science & Applied ML to build the intelligence layer that makes our products useful for lenders. This is a technical role at the intersection of machine learning, data science, credit risk, and product engineering.
You will design and run backtests on historical lending data, identify which document-derived signals are predictive of repayment and fraud risk, and build evaluation systems that improve model performance in live underwriting workflows. You will also help shape new product offerings across the lending stack by tying extracted features and model outputs to real financial outcomes.
What you’ll be working on
As a founding engineer, you will design, build, and deploy ML systems that improve credit decisioning, fraud detection, and underwriting workflows. This means leading product from ideation to production, including scoping, implementation, deployment, and iteration of vision and VLM-based underwriting systems by linking extracted features to repayment outcomes.
Requirements
We are looking for a fast-learning, eager-to-build founding engineer with experience in credit risk, lending, underwriting, fraud, or fintech. Experience with computer vision or multimodal ML systems is a strong plus, as is experience with model calibration, feature selection, and error analysis in high-stakes settings. This is a highly applied, forward-deployed role. At Kita, you will help define the product foundations of the company from the ground up.
In emerging markets, open finance is still nascent. Most of the population is traditionally unbanked, banking APIs don’t exist, and a borrower’s financial history lives in documents: e-wallet records, bank statements, utility bills, and more. Because this data is unstructured, credit and risk teams are forced into manual review. This slows decisioning, increases costs, and caps lending volume.
Kita is the AI platform for global lending operations. We help lenders in emerging markets automate application completion, document verification, and underwriting from messy financial documents — using AI to extract fraud-checked data and localized risk signals that power faster, better credit decisions.
Under the hood, Kita is a learning engine. We link document-level signals to repayment outcomes, allowing our models to continuously improve fraud detection and risk assessment over time. This creates a compounding advantage for lenders as their distinct underwriting decisions feed back into the system.
We’re Carmel and Rhea. We met before Stanford and have been building together ever since. Carmel is from Manila, is a repeat founder, and spent three years in product at Apple. Rhea has a research background in computer vision and received the highest honor in Stanford Computer Science. Together, we combine deep local context with strong technical execution to build the infrastructure that expands access to credit in emerging markets.
Salary
$150,000 - $220,000
Equity
0.5% - 1.5%
Location
San Francisco, CA, US
Experience
3+ years
