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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.
As a Operations Data Scientist at Kikoff, you work closely with cross functional teams including Customer Operations, Product Operations, Product, Engineering, and Data Engineering to make our operations smarter, faster, and more customer-centric. Operations sits at the front line of our customer experience, and you will turn the massive amount of unstructured and structured data generated there into decisions, workflows, and tools that improve both agent and customer outcomes.
This is a high-ownership role. We are looking for someone with an owner mindset who proactively seeks out opportunities to apply a sharper technical and analytical lens to how Ops runs. You will define your own roadmap as often as you execute against someone else's.
Your responsibilities include:
- Ops AI ownership: Own and evolve Ops AI, our AI agent that helps Ops investigate customer issues and pull accurate data. Design and iterate on the agent's harness (SQL library, memory, context, skills, tools, guardrails), continuously improve its accuracy and expand its use cases as new workflows emerge.
- Ops Analytics and Measurement: Use data to shape how Ops runs. Define core Ops metrics, build self-serve dashboards and turn unstructured customer data into insights, design and run experiments to turn ops insights into product changes
- Cross-Functional Collaboration: Partner with Product Ops, CX Ops, and Operation Agents to translate data into decisions, workflows, and tooling that improve customer and agent outcomes.
- Bachelors’ or above in quantitative discipline: Statistics, Applied Mathematics, Economics, Computer Science, Engineering, or related field
- Expert knowledge of SQL
- Enthusiasm and comfort using AI tools (eg. LLMs, Claude Code) in analytics
- Strong verbal and written communication skills
- A humble collaborative can-do attitude, bias to action, and a hunger to apply a technical lens to messy, ambiguous operational problems
- Solid understanding of statistical analysis, experimentation design, and common ML techniques
- Enthusiasm and comfort with using AI in analytics or for fintech problems
- Experience with Machine Learning especially in a production environment
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
- Bachelors' or above in quantitative discipline
- Expert knowledge of SQL
- Strong verbal and written communication skills
- Solid understanding of statistical analysis, experimentation design, and common ML techniques
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.
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