Founding Engineer (Data Science & Applied ML) at Kita (YC W26)

• Job Location San Francisco, CA
• Seniority Mid-Senior Level
• Type Full-time

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Description

About Kita 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.