Kita

Kita (YC W26) is building the AI credit infrastructure layer for lenders in emerging markets.

In much of the world, the important financial data to underwrite loans still lives in messy documents. Traditional OCR breaks on the files lenders actually rely on, so credit teams are still stuck doing manual review. We’re building VLMs to automate the work a credit officer does today: parsing documents, detecting fraud, cross-checking information, and extracting real risk signals for underwriting.

This is a deeply technical problem at the intersection of vision, reasoning, and financial systems.

As a founding engineer, you’d work across the stack on hard problems in enterprise software, DevOps, model evaluation, and production infrastructure for banks and microfinance institutions. We’re looking for a fast learner who can move between systems, product, and customers with ease. A background in DevOps for highly regulated industries, databases, compliance-heavy systems, fintech, credit, or data science is a strong plus.

You’d ship quickly, work directly with users, travel across LatAm, Southeast Asia, and Africa, and help define both the product and engineering culture from day one.