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.
Kikoff's infrastructure team builds the systems that let engineering move quickly without giving up reliability, security, or cost discipline. The team owns five connected areas: Observability, Developer Productivity, Compute Infrastructure, Networking and Storage, and Data Infrastructure.
As Engineering Manager, you will lead and grow this team, set technical direction, and run infrastructure as a product for Kikoff engineers. You will decide where the team should invest, help engineers turn ambiguous problems into durable systems, and make sure the work improves how the company builds and operates.
This is a player-coach role. You will stay close to the code, the architecture, the incidents, and the people. You should be comfortable reviewing code and designs, making architecture calls, and contributing directly when the team needs you. Strong ICs should respect your technical judgment because you understand the work, not because you report on it.
AI is increasing the amount of code and change moving through our systems. You will help build a platform that can absorb that growth without creating more incidents, unsustainable cost, or a team that depends on heroics.
In This Role, You WillLead and Grow the Team- Lead, coach, and develop experienced infrastructure engineers across five connected areas.
- Hire engineers who can work across domains, take ownership of production outcomes, and earn the trust of their peers.
- Stay close enough to the work to coach from evidence. Review code and designs, challenge weak decisions, make architecture calls, and unblock the team directly when needed.
- Give each area clear ownership, backup coverage, growth paths, and a sustainable on-call model.
- Support the technical direction across observability, developer productivity, compute, networking, storage, and data infrastructure.
- Uphold high engineering standards for reliability, testing, safe deployments, security, and maintainability.
- Make clear tradeoffs between speed, reliability, cost, and long-term operating complexity.
- Lead through incidents and unfamiliar failure modes, then make sure the system is better after service is restored.
- Understand what Kikoff engineers need and turn that into a focused roadmap with clear priorities.
- Build paved paths and self-service systems that teams choose because they are faster and safer than one-off solutions.
- Unblock teams through the fastest responsible path, then turn recurring friction into automation or a durable platform capability.
- Measure outcomes for internal customers, including delivery speed, reliability, cost, toil, and on-call load.
- Make sure critical services have an owner, backup, SLO, actionable alerts, dashboard, runbook, capacity expectations, and a tested recovery path.
- Use service health, incidents, delivery data, cost, and customer feedback to decide what the team works on next.
- Close incident actions and recurring operational gaps instead of allowing them to become permanent background work.
- Build an organization that does not depend on constant interrupts, heroics, or one person's memory to stay healthy.
- 8+ years of engineering experience and 2+ years managing engineers, or an equivalent record of technical leadership and people development.
- A strong infrastructure foundation. You can review code and designs, make architecture decisions, and contribute directly when needed.
- Experience operating consequential production systems, responding to incidents, and improving what remained after the immediate problem was solved.
- A track record of hiring, coaching, and developing strong engineers. You know what good looks like and can help people get there.
- Experience setting technical direction and turning ambiguous infrastructure problems into a roadmap the team can execute.
- Comfort making decisions with incomplete information and changing course when the evidence changes.
- Clear, direct communication with engineers, leadership, and cross-functional partners.
- Depth in one or more of observability, cloud compute, networking, storage, data infrastructure, developer tooling, or security.
- Experience running internal platforms as a product in fintech or another regulated environment, including measuring adoption and customer outcomes through a period of rapid growth.
Scrappy. We move quickly and build what we need. We do not cut corners when they matter, and we do not over-engineer when they do not.
Risk-oriented. We make tradeoffs deliberately. A mature team knows the difference between a risk worth taking and one that is not.
Data-obsessed. We look at the data, understand the mechanics behind it, and use that evidence to make better decisions.
Humble. We know the company has benefited from timing, circumstance, and the right people showing up. We are grateful, and we do not take it for granted.
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
- 8+ years of engineering experience and 2+ years managing engineers or equivalent technical leadership
- Strong infrastructure foundation; able to review code and designs and contribute directly
- Experience operating consequential production systems, leading incident response, and implementing post-incident improvements
- Track record of hiring, coaching, and developing strong engineers
- Experience setting technical direction and turning ambiguous infrastructure problems into an executable roadmap
- Comfort making decisions with incomplete information and changing course when evidence changes
- Clear, direct communication with engineers, leadership, and cross-functional partners
- Hands-on experience with SLOs, actionable alerts, dashboards, runbooks, capacity expectations, and tested recovery paths
- Depth in observability, cloud compute, networking, storage, data infrastructure, developer tooling, or security
- Experience running internal platforms as a product in fintech or other regulated environments
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.









