- New York, NY, United States
- San Francisco, CA, United States
- Silicon Valley, CA, United States
- $140k - $201k
- 0.05% - 0.50%
We invented a new type of credit card backed by assets (secured by equity in your home, cars, & other assets) , enabling us to offer mind-bendingly low APRs to consumers. Our first product is the world’s lowest APR credit card. Come invent & change the world with us.
Who are we?
We are a well capitalized (over $60MM in equity funding) team of technology (Microsoft, Facebook), and finance (Square, Discover, CapitalOne, and Goldman) executives with top tier investors -- Founders Fund, Khosla Ventures, Max Levchin, NYCA, Sequoia, etc.
Our team includes people who have built - Financial products (Square/CashApp, the earliest CapitalOne credit cards) - Consumer products (Internet.org, Xbox) - Technology infrastructure (C++/C#, Visual Studio, Windows & Azure) - Mathematics & science infrastructure (computational research at NASA’s JPL).
We are missionaries that like to work hard on important problems - and build products that become infrastructure for society. We believe that using technology to lower the cost of capital for consumers is one of these problems - and if we can do it, it could have a big impact on a lot of people’s lives.
We are a technology company at heart - and we seek to invent & advance the state of the art to build insanely great consumer financial products - starting with the world’s first home-equity backed credit card.
We like to deeply understand the nuances & excruciating details of the systems we are building on top of - whether it be legal frameworks & regs, or APIs and 3rd party data-providers. No work is beneath any of us - from the CEO to our compliance lead - we get excited to audit our database to check each cell to ensure that they are correct and to pick up customer support calls.
We believe inventing great products happens at the intersection of extremely deep detailed domain knowledge & a very lateral thought process. We don’t like to invent for the sake of it - we do it when we think we can make something significantly better.
We value being pragmatic, rational, fast, minimalist, detailed oriented, and obsessively customer-centric.
Who are you?
We are looking for an experienced engineer who can dig deep into all aspects of a system. You will be digging into performance issues of a web application, debugging race conditions across client/server boundaries, and controlling robots across the continental United States (yes, really). You will also be responsible for the architecture of the system, design reviews and code reviews. This role will evolve into having tech leadership responsibilities. You can expect to work on:
Anything and everything. At this early stage, you will find yourself: - Building a best in class credit card origination flow - Building a best in class video notarization solution - Helping us execute world-class growth & engagement tactics for our product - Architecting core product infrastructure to enable us to go from 0-to-1 - Weighing in on strategy. Every voice is important to help inform our decisions - Influencing our tech stack. - Defining our culture. As a large % of the team, who you are shapes who we become. - Become an expert in our product space, such that you're able to define how products should work end-to-end.
You should join us if:
- You have led large technically complex projects with a lot of moving parts
- You have a lot of experience with a lot of disparate systems
- You have worked on production grade compilers, operating systems, or large distributed systems
- You can jump into a new environment and hit the ground running without much hand holding
- You’re fine with us not having answers yet. You want to be part of figuring out the answers
- You thrive in highly collaborative environments and are down to riff with us on anything from company mission to software architecture to user research
- You enjoy diving into the deep end and feel like that’s where the greatest personal growth happens -You are fearless about learning the details, and understanding every single minute detail of an underlying system or process
Aven is re-inventing consumer credit to reduce the cost of capital through tech. Our team believes access to capital is a fundamental human right in a capital economy. Today there is over $1T of unsecured credit card revolving balance.
Credit cards were invented in the ‘60s, and credit card balances have grown from 4B to 1T in 50 years. Today transactional friction of secured capital is driving high costs of capital to consumers. Unsecured credit (personal loans and credit cards) are efficient (cheap & quick underwriting, 1-3 days to access capital) but are expensive (15-25% APR). However, secured capital (HELOC, Auto-loans, Mortgages) are in-effiicent (thousands in origination costs, weeks in underwriting, months in access) but are cheap (<10% APR)
We can use technology to improve the transactional efficiency of secured lending by an order of magnitude or more and give consumers access to cheap secured capital at the same level of convenience as expensive unsecured capital.
Aven is the world’s cheapest, no gimmick, credit card backed by home or car equity.
Our work involves building the world’s first completely autonomous asset-securing process, world-class risk & underwriting models, and a beautifully smooth product experience for consumers to apply, activate, and manage their credit cards.
We are a consumer company and are engineering and experimentation driven. We believe in moving with extremely high velocity. We believe that high velocity execution with reasonable strategy beats great strategy with slow execution any day of the week.
Cultural Values: Depth and rigor of thought. Speed of execution with reasonable strategy. Done is better than perfect.
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