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.
ABOUT THE ROLE
You will be Kikoff's first quality engineer. Millions of users trust our platform, and quality is essential to that trust. Today we have solid unit test coverage and user feedback loops — but no automation frameworks, no quality metrics, and no systematic approach to quality. You'll change that.
You'll define our quality strategy, build the systems that implement it, and enable product teams to own quality themselves. This is a foundational engineering role: you build frameworks, CI/CD quality gates, and developer tooling — you don't gatekeep releases.
This role reports to the Foundational Engineering org, and is a peer to the cloud platform and security leads.
IN THIS ROLE, YOU WILL
Define Quality Strategy
- Assess quality gaps across backend (Ruby on Rails), web (SolidJS), and mobile (Flutter/Dart)
- Establish quality metrics and baselines — defect escape rates, CI feedback loop speed, test reliability, coverage ramp
- Present a quality roadmap to engineering leadership with clear milestones and resource needs
Build Quality Systems
- Design and implement test automation frameworks across backend, web, and mobile
- Expand automated testing from unit coverage to integration, E2E, contract, and visual regression
- Build quality gates into CI/CD pipelines at diff, merge, and release stages
- Create self-service testing tools that product teams adopt independently
- Partner with platform engineering on ephemeral environments and local execution automation
Enable Product Teams
- Train engineers on testing frameworks and quality practices
- Build documentation and runbooks that make self-service the default
- Drive adoption through transparency: dashboards, coverage gaps, flaky test tracking, quality trends
- Collaborate with Security on compliance testing (SOC 2, PCI-DSS)
Integrate AI into Quality
- Embed quality controls into AI-assisted development workflows
- Build or integrate AI-powered testing tools (test generation, triage, regression detection)
YOU HAVE
- 10+ years in quality engineering, with multiple instances of building QA functions or automation frameworks from scratch
- Strong coding ability — you build tools, frameworks, and infrastructure beyond test scripts
- Experience across multiple surfaces: backend, web, mobile, API
- Deep familiarity with CI/CD pipelines and test integration at various stages
- Track record of measurable quality impact: you can cite specific metrics you moved
- Enablement mindset — you build systems that make other engineers more effective
- Comfortable with ambiguity and able to define direction independently
NICE TO HAVE
- Experience with AI-assisted testing workflows or eval systems for AI-generated code
- Flutter/Dart mobile testing experience
- Fintech or regulated industry experience
- Infrastructure-as-code familiarity (Pulumi, Terraform)
- Performance testing tools (k6, Gatling, JMeter)
- Open source testing framework contributions
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
- 7+ years quality engineering experience
- 3+ years building test automation and quality processes
- 2+ years of management experience
- Experience with test automation frameworks
- Strong coding ability in Ruby, JavaScript, or Python
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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