Kikoff: The Fintech Powering Financial Security at Scale
Kikoff is a profitable, pre-IPO fintech company on a mission to empower everyone to achieve financial security. With record revenue growth in 2025 and a unicorn valuation, we've built a suite of products that help millions of people build credit, access liquidity, and save money.
We're scaling fast. Join us if you want to build something meaningful and help millions of people move forward financially.
Why Kikoff:
This is a consumer fintech startup, and you will be working with serial entrepreneurs who have built strong consumer brands and innovative products. We value extreme ownership, clear communication, a strong sense of craftsmanship, and the desire to create lasting work and work relationships. Yes, you can build an exciting business AND have real-life real-customer impact.
We’re looking for an Accounting Manager to own operating expenses and general accounting
end-to-end. This role is responsible for the accuracy, integrity, and scalability of our financials
across all non-revenue areas. This is a hands-on role with meaningful ownership. You will lead the close, manage a team of two, and build systems and processes that scale with the business. You’ll operate with high ownership and strong judgment, partnering closely across Finance and the business to ensure financials are accurate, well-understood, and reliable.
This role is best suited for someone who enjoys being close to the details while building
processes that scale. It reports to the US Controller and is based in our San Francisco office.
• Build public-company-ready financial infrastructure ahead of an IPO - systems, close automation, and the controls that come with them.
• Take the close from manual and reactive to predictable and fast across multiple entities, including intercompany and foreign currency activity.
• Own the full stack from vendor invoice to cap table, with AP, payroll, leases, fixed assets, and equity accounting under one roof.
Role Scope
• Own the monthly, quarterly, and annual close, including consolidation and financial statement preparation across multiple entities, with intercompany and foreign currency activity in scope.
• Manage all non-revenue accounting areas: operating expenses, accruals, prepaid expenses, fixed assets, payroll accounting, and equity accounting.
• Oversee the accounts payable function, and provide lighter-touch oversight of accounts receivable, through the AP/AR Specialist.
• Perform and review detailed flux and variance analysis, proactively investigating unexpected trends or anomalies in our financials.
• Partner cross-functionally to gather and validate financial data, and to make sure the numbers are understood by the teams that drive them.
• Identify and drive improvements to accounting processes, systems, and controls to support scale, reduce risk, and prepare the company for future growth.
• Lead and develop a team of 2 (a Senior Accountant and an AP/AR Specialist), continuously improving close speed, reliability, and scalability.
• Lead the end-to-end audit process for non-revenue areas.
• Partner with external advisors and internal leadership on technical accounting.
What Success Looks Like
• The close is predictable and efficient, and financials are accurate.
• Operating expenses and cash flows are clearly understood, with visibility into key drivers.
• The audit process is organized and low-friction.
• Systems and processes are continuously improving and scaling with the business.
• You operate with high ownership and strong alignment, knowing when to move quickly and when to involve stakeholders.
What We’re Looking For
The below is a starting point. We always make space for exceptional people, so if you don’t fit this role exactly, tell us where you would.
• You have 6+ years of accounting experience.
• You use AI tools as a real part of how you work - to move faster on preparation, reconciliations, research, and documentation - with the judgment to know what has to be verified before it touches the books.
• You’ve owned the close and the general ledger in a multi-entity environment, without a controller reviewing every entry first.
• You’ve set a close calendar and held FP&A, Tax, and cross-functional partners to it, instead of chasing them after the fact.
• You know US GAAP well enough to make the accrual, cutoff, and capitalization calls yourself, and to explain them clearly to an auditor.
• You’ve found a broken accounting process midstream and rebuilt it before it slowed down the close.
• You’ve taken accounting areas end-to-end through an external audit and worked directly with auditors, and you keep workpapers and schedules audit-ready year-round.
• You communicate clearly in writing and in person, you can walk a non-finance partner through a variance, push back on a business owner with data, and leave a reviewer with no follow-up questions.
• You’re comfortable in a modern finance stack – Claude, Codex, Snowflake, NetSuite, Ramp and Brex - and fast and accurate in Excel for anything the system can’t handle.
• You run multiple close cycles, audits, and process changes at once without dropping one when another gets hard.
• You hold a bachelor’s degree in Accounting, Finance, or a related field.
• Bonus: CPA and/or public accounting background; hands-on ERP implementation, migration, or upgrade experience
Equal Employment Opportunity Statement
Kikoff Inc. is an equal opportunity employer. We are committed to complying with all federal, state, and local laws providing equal employment opportunities and considers qualified applicants without regard to race, color, religion, creed, gender, national origin, age, disability, veteran status, marital status, pregnancy, sex, gender expression or identity, sexual orientation, citizenship, or any other legally protected class.
Please reference the following for more information.
Skills Required
- 6+ years of accounting experience
- Experience owning the close and general ledger in a multi-entity environment
- Knowledge of US GAAP, including accrual, cutoff, and capitalization decisions
- Experience establishing and managing a close calendar
- Experience rebuilding broken accounting processes
- Experience taking accounting areas through external audits and working directly with auditors
- Ability to communicate financial variances clearly to non-finance partners and business owners
- Experience managing multiple close cycles, audits, and process changes simultaneously
- Bachelor's degree in Accounting, Finance, or a related field
- Proficiency with AI tools for accounting preparation, reconciliations, research, and documentation
- Experience with Claude, Codex, Snowflake, NetSuite, Ramp, Brex, and Excel
- CPA certification
- Public accounting background
- Hands-on ERP implementation, migration, or upgrade experience
Kikoff Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Kikoff and has not been reviewed or approved by Kikoff.
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Healthcare Strength — Employer-paid employee medical, dental, and vision premiums are highlighted across postings and benefits pages. This materially lowers out-of-pocket costs and signals strong core coverage.
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Wellbeing & Lifestyle Benefits — Daily meals, snacks, fitness benefits, and substantial commuter support are prominently offered. These perks can meaningfully enhance day-to-day experience, especially for in-office or hybrid roles.
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Retirement Support — A 401(k) with company matching is included in the package. The presence of matching adds long-term financial value even as specific formulas are not publicly detailed.
Kikoff Insights
What We Do
Kikoff is a personal finance platform that offers the simplest credit-building solution out there: $0 fees, 0% interest, and no credit pull. Your credit score is the foundation of your financial health – yet most people don’t have the credit score they deserve. That’s why Kikoff built the most accessible and affordable credit-building solution – it’s also the fastest growing and the top-rated credit building mobile app. Kikoff works whether you’re new to credit or looking for an extra boost. Building credit is just the start; Kikoff is building a personal finance platform designed to help consumers achieve financial wellness. Driven by the co-founders’ and team’s personal experiences, Kikoff’s mission is to provide refreshingly fair, effective, and simple pathways to meet your financial goals. Kikoff is a Series B company and has raised over $42 million in total funding. Investors include Portage Ventures, Lightspeed Venture Partners, GGV, Coatue, Core Innovation Capital, and basketball star Stephen Curry. Kikoff was founded in 2019 and is headquartered in San Francisco, California.
Why Work With Us
We are building an organization that maximizes growth and learning; we are invested in helping you grow and achieve what you want in your career. Our principles include a bias towards action, work in public, first principles thinking, intellectual honesty and extreme ownership.









