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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.
About Grant
Grant is revolutionizing financial access through our intelligent cash advance product. We're solving real customer pain points by providing fast, fair access to earned wages when life happens, without the predatory fees common in the industry. Our business model is profitable while maintaining customer-first values, and we're experiencing rapid user growth as we scale our impact.
Recent Team Accomplishments
Our engineering team is pushing the boundaries of what's possible in fintech infrastructure:
Advanced Underwriting Engine: Developed sophisticated underwriting ML models that leverage unstructured transaction data to make instant, accurate lending decisions at scale
Smart Collection System: Built ML-powered collection strategies using mathematical models and algorithms
Real-Time Payments (RTP) Integration: integrated and deployed RTP rail support alongside our existing ACH infrastructure, enabling instant fund disbursement and same-day collections - a critical differentiator in our market
The Role
We're looking for a Senior Backend Engineer to join our Grant Core team and help us scale. You'll be working on the critical systems that power our underwriting decisions, payment processing, and collection strategies.
Key Focus Areas:
Payment Infrastructure: Own and scale our multi-rail payment systems (ACH, RTP, card networks) to handle transaction volume while maintaining 99.99% reliability
Distributed Systems: Design and build scalable backend services that can handle millions of transactions with low latency and high throughput
Background Processing: Optimize our Sidekiq job infrastructure to efficiently process complex workflows for underwriting, collections, and payment distribution
System Architecture: Lead architectural decisions for our core financial systems, balancing speed, reliability, and cost as we scale
Data Pipeline Engineering: Build robust data pipelines that power our ML models and real-time decision engines
You'll work closely with our product and data science teams to ship features that directly impact our customers' financial wellbeing while maintaining the highest standards of reliability and security.
Required Experience:
5+ years of experience with modern backend frameworks and a track record of building and scaling production systems
Strong systems design skills - you've architected and shipped distributed systems that handle high throughput and maintain data consistency
Production experience with background job processing systems (Sidekiq, Resque, or similar)
Solid understanding of database optimization, caching strategies, and performance tuning
Ideal Candidate Also Has:
Experience with payment systems, financial infrastructure, or regulated environments (ACH, card processing, real-time payments)
Track record of making infrastructure decisions that balance technical excellence with business pragmatism
Experience working with ML/data science teams to productionize models and algorithms
Background in fintech, payments, or lending infrastructure
Strong system observability mindset (metrics, logging, tracing, monitoring)
Technical Leadership: Ability to own complex technical initiatives end-to-end, from design through implementation and rollout
Mentorship: Help level up the team through code reviews, design docs, and technical guidance
Impact Focus: Balance technical perfection with pragmatic delivery - you know when to build for scale vs. ship fast
Cross-functional Collaboration: Partner effectively with product, data science, and operations to deliver customer value
Operational Excellence: Take ownership of the reliability and performance of the systems you build
What Makes This Role Exciting:
Work on real-time payment systems at the cutting edge of fintech infrastructure
Your work directly improves the financial lives of real customers
Greenfield opportunities to architect new systems alongside legacy modernization challenges
Small, high-impact team where your contributions are immediately visible
Solve interesting technical problems at the intersection of payments, ML, and distributed systems
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
- 5+ years of experience with modern backend frameworks and building production systems
- Strong systems design skills with experience in distributed systems
- Production experience with background job processing systems
- Solid understanding of database optimization and performance tuning
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 — Health coverage is presented as comprehensive, with medical, dental, and vision included and the full premium cost covered for employees in recent postings. Employer materials and listings consistently cite health insurance as a core benefit.
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Leave & Time Off Breadth — Time off is described as 20 days of accrued PTO plus company‑paid holidays. This provides a clear baseline of paid leave beyond standard holidays.
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Wellbeing & Lifestyle Benefits — Everyday perks include commuter benefits, catered office meals, and a fitness benefit policy. These additions contribute to daily convenience and lifestyle support.
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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