aketchum

VIVA Finance | Atlanta, GA (In Person)| Front-End + Mobile Developer

VIVA is a Fintech Startup based in Atlanta, GA with the mission to build a more inclusive financial system. VIVA offers unsecured personal loans to customers who have traditionally been excluded and taken advantage of by the legacy financial institutions. The VIVA difference is to underwrite heavily on employment history and set up repayments through voluntary direct deposit payments from the borrower's paycheck. Our interest rates are less than 1/3 of the rates our customers are able to get from other financing options.

We are a VC backed company and have been in business for 7 years. We have been profitable since mid 2024. We are hiring an additional frontend engineer to support our increasing customer volume, support new products we plan to launch to diversify our revenue streams, and bring our mobile app to feature parity with the web. You will join our engineering team of 14 and work in a dynamic environment where you are frequently writing net new code to support business objectives.

Our tech stack for the front-end is fully hosted on AWS. The web app is in React and we are building a mobile app with React Native, but experience with this specific stack is not necessary for talented candidates. We are looking for candidates who can come in office 4 days a week to our office on the Atlanta Beltline (next to Krog Street Market). VIVA does not provide visa sponsorship, so please have authorization to work in the USA.

Send an introduction to our hiring manger ([email protected]) with a resume and we will be in touch!

there are effectively no passenger trains in America and effectively no political will to expand them. Busses take multiple times as long for the same trip compared to a car. This doesnt even get into the anti-social behavior present on both. Given these facts, it is not wild at all to prefer cars (self driving or not) vs alternate transportation methods

nano seconds matter in some miniscule number of High Frequency and Algorithmic trading use cases. It does not matter in the majority of finance applications. No consumer finance use case cares about nanoseconds. The vast majority of money is moved via ACH, which clears via fixed width text files shared via SFTP, processed once a day. Nanoseconds do not matter here.

VIVA Finance | Atlanta, GA (In Person)| Back-end Software Engineer

Target Experience Level: 2-4 years of professional software experience

VIVA is a Fintech Startup based in Atlanta, GA with the mission to build a more inclusive financial system. VIVA offers unsecured personal loans to customers who have traditionally been excluded and taken advantage of by legacy financial institutions. The VIVA difference is to underwrite heavily on employment history and set up repayments through voluntary direct deposit payments from the borrower's paycheck. Our interest rates are less than 1/3 of the rates our customers are able to get from other financing options.

We are a VC backed company and have been in business for 6 years. We have been profitable since mid 2024 and are dramatically ramping up origination volume in 2026. We are hiring an additional backend engineer to support the larger transaction volume, as well as to support new products we are launching to diversify our revenue stream (including automobile refinancing and a credit builder account). You will join our engineering team of 11 and work in a dynamic environment where you are frequently writing net new code to directly support business objectives.

Our tech stack for the back-end is fully on AWS, using Lambda and ECS for compute and Typescript as the language, but experience with this specific stack is not necessary for talented candidates. Our preference is candidates who can come in office 4 days a week to our office on the Atlanta Beltline (next to Krog Street Market). VIVA does not provide visa sponsorship, so please have authorization to work in the USA.

Send an introduction to our hiring manger ([email protected]) with a resume and we will be in touch!

VIVA Finance | Atlanta, GA (In Person)| Front-End Developer

VIVA is a Fintech Startup based in Atlanta, GA with the mission to build a more inclusive financial system. VIVA offers unsecured personal loans to customers who have traditionally been excluded and taken advantage of by the legacy financial institutions. The VIVA difference is to underwrite heavily on employment history and set up repayments through voluntary direct deposit payments from the borrower's paycheck. Our interest rates are less than 1/3 of the rates our customers are able to get from other financing options.

We are a VC backed company and have been in business for 6 years. We have been profitable for the past year are a half. We are hiring an additional frontend engineer to support our increasing customer volume, as well as to support new products we plan to launch to diversify our revenue stream. You will join our engineering team of 10 and work in a dynamic environment where you are frequently writing net new code to support business objectives.

Our tech stack for the front-end is fully hosted on AWS. The web app is in React and we are building a mobile app with React Native, but experience with this specific stack is not necessary for talented candidates. Our preference is candidates who can come in office 4 days a week to our office on the Atlanta Beltline (next to Krog Street Market). VIVA does not provide visa sponsorship, so please have authorization to work in the USA.

Send an introduction to our hiring manger ([email protected]) with a resume and we will be in touch!

VIVA Finance | Atlanta, GA (In Person)| Front-End Developer

VIVA is a Fintech Startup based in Atlanta, GA with the mission to build a more inclusive financial system. VIVA offers unsecured personal loans to customers who have traditionally been excluded and taken advantage of by the legacy financial institutions. The VIVA difference is to underwrite heavily on employment history and set up repayments through voluntary direct deposit payments from the borrower's paycheck. Our interest rates are less than 1/3 of the rates our customers are able to get from other financing options.

We are a VC backed company and have been in business for 6 years. We have been profitable for the past year are a half. We are hiring an additional frontend engineer to support our increasing customer volume, as well as to support new products we plan to launch to diversify our revenue stream. You will join our engineering team of 10 and work in a dynamic environment where you are frequently writing net new code to support business objectives.

Our tech stack for the front-end is fully hosted on AWS. The web app is in React and we are building a mobile app with React Native, but experience with this specific stack is not necessary for talented candidates. Our preference is candidates who can come in office 4 days a week to our office on the Atlanta Beltline (next to Krog Street Market). VIVA does not provide visa sponsorship, so please have authorization to work in the USA.

Send an introduction to our hiring manger ([email protected]) with a resume and we will be in touch!

VIVA Finance | Atlanta, GA | Back-End Developer

VIVA is a Fintech Startup based in Atlanta, GA with the mission to build a more inclusive financial system. VIVA offers unsecured personal loans to customers who have traditionally been excluded and taken advantage of by the legacy financial institutions. The VIVA difference is to underwrite heavily on employment history and set up repayments through voluntary direct deposit payments from the borrower's paycheck. Our interest rates are less than 1/3 of the rates our customers are able to get from other financing options.

We are a VC backed company and have been in business for 6 years. We have been profitable for the past year and with a new debt facility closing at the end of June, we will be dramatically ramping up origination volume in the second half of the year. We are hiring an additional backend engineer to support the larger transaction volume, as well as to support new products we plan to launch to diversify our revenue stream. You will join our engineering team of 10 and work in a dynamic environment where you are frequently writing net new code to support business objectives.

Our tech stack for the back-end is fully on AWS, using Lambda and ECS for compute and Typescript as the language, but experience with this specific stack is not necessary for talented candidates. Our preference is candidates who can come in office 4 days a week to our new office on the Atlanta Beltline (next to Krog Street Market). VIVA does not provide visa sponsorship, so please have authorization to work in the USA.

Send an introduction to our hiring manger ([email protected]) with a resume and we will be in touch!

It is always interesting to me when people say they are "bad test takers". You mean you are bad at the part where we find out how much you know? Maybe you just don't know the material well enough.

caveat emptor - I am not ND so maybe this is a real concern for some, but in my experience the people who said this did not know the material. And the accommodations for tests are abused by rich kids more than they are utilized by those that need them.

im interested in the answer because I have not seen the same productivity increases with claude code and copilot. When I read comments like your original one I think that I must be using the tools incorrectly. How do you use them in your workflow?

Or for anyone else reading this, are there resources you have used to learn how to get the most out of LLM coding tools?

this seems unrelated to the post

If you have a 6% profit margin (i.e. grocery store) and then you have to pay 3% of basically all revenue, you are now at 3% profit margin. This is why Costco only accepts VISA - they have 11% margins so 3% would be over 25% of their profit. So they go exclusive with one processor and have a very large transaction volume, so they are able to negotiate much lower fees and thus lose less profit.

> Where's the money coming from? You can't spend out of thin air...

Of course you can - It is a credit card

twitter corporate bonds are trading at 97 cents on the dollar now, they were trading closer to 40 cents shortly after the acquisition. I would not assume they are still losing money