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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.
We’re looking for a Head of Growth Marketing who can help us continue to grow our family three finance top-100 ranked apps, leading our performance marketing and creative teams. You’ll be responsible for growing our acquisition volume with strict CAC/ROAS goals. Kikoff financial products have already helped millions of customers improve their credit scores and access their paycheck early; and with your help we can improve the financial lives of millions more.
This is a full-time position in our San Francisco HQ with benefits and equity in a fast-moving and fast-growing environment that will help you grow your abilities and career as you help build a better ecosystem of credit for our customers.
What you’ll do:
- Directly responsible for our marketing budget and growing the number of users who join our program while keeping constant or improving our CAC/ROAS
- Lead, mentor and grow the performance marketing and creative teams
- Stand up new distribution channels and strategies beyond paid media including organic growth and b2b2c
- Work cross-functionally to bring campaigns and results to life: working with designers, copywriters, product team, data analysts, and more.
- Lead the team through various stages of marketing maturity for a mix of apps through launching and cracking new products and markets as well as growing acquisition for our mature products and programs
What will help make you successful:
- 15+ years of a proven track record of driving towards new user acquisition growth goals under set CAC/ROAS or volume targets, timelines and budgets at scale.
- 5+ years as a proven people leader able to guide, influence and motivate teams and organizations with a track record of managing performance and driving towards measurable goals and outcomes.
- Deep knowledge of paid media, measurement, and performance marketing channels such as Facebook, TikTok, Google ads, mobile DSPs, TV, direct mail and more.
- Mastery of hypothesis driven A/B, MVT and incrementality testing with the ability to lead a team through analyzing test result data to tease out learnings and insights to inform future testing.
- Strategic thinker and leader, able to breakdown and organize problems, assess opportunity areas, and develop big ideas and priorities, and mobilize teams and resources to move the business forward.
- Self-starter with a move-fast bias towards action who is able to manage multiple, competing priorities in a fast-paced environment.
- Ability to define key marketing KPIs and break them down into their underlying drivers to understand and influence performance from first principles.
- Understanding of what makes effective and strong direct response creative with a framework to keep adjusting and learning based on experimentation.
- Experience in a fintech business, or a D2C industry and SQL proficiency is a bonus.
- SQL proficient to be able to pull your own data and cross-validate results.
Location: San Francisco, CA (Hybrid 3 Days in Office)
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
- 15+ years driving user acquisition growth under CAC/ROAS or volume targets, timelines and budgets at scale.
- 5+ years of people leadership managing performance and motivating teams.
- Deep knowledge of paid media and performance channels (Facebook, TikTok, Google Ads, mobile DSPs, TV, direct mail).
- Mastery of hypothesis-driven A/B, MVT and incrementality testing and ability to analyze results to inform future tests.
- Ownership of marketing budget and accountability for CAC/ROAS performance.
- Ability to define marketing KPIs, decompose drivers, and influence performance from first principles.
- Understanding of effective direct response creative and framework for iterative learning.
- Strategic thinker and self-starter able to manage competing priorities in a fast-paced environment.
- SQL proficiency to pull data and cross-validate results.
- Experience in fintech or D2C industry.
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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