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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.
The User Retention and App Ecosystem team focuses on sustainable, long-term, and interconnected customer growth at Kikoff. We help customers stay around longer and get more value from their subscriptions. We ensure that customers are excited to explore the different consumer fintech apps across Kikoff’s growing ecosystem, with as little cross-app friction as possible.
We’re looking for a Senior Fullstack Engineer to drive user-facing projects, improve existing core services, and own product domains. If you like owning both the work and the outcome of a complex project end-to-end, we’d like to talk to you!
What you’ll be doing- Lead and implement data-driven and impact-focused projects around user-retention and ecosystem integration end-to-end, affecting millions of users.
- Be the definitive technical owner for 1 to 2 large product areas across credit report retrieval, credit disputes, customer off-boarding experience, and cross-app integration.
- Enhance observability, reliability, and operational excellence across existing services.
- B.A. / B.S. / M.S. or strong self-taught fundamentals in computer science
- 6+ years of industry experience, or high-slope growth, with demonstrated breadth and depth of product impact
- Strong fullstack development experience with a backend focus: proficient or highly proficient on the backend, and experienced in either web frontend (React) or mobile (Flutter preferred)
- Strong cross-functional communication and coworking skills with product, data, design, and legal partners
- Demonstrated ability to own and drive complex projects end-to-end, coordinating focused teams through ideation, requirements, design, implementation, launch, and post-launch.
- Good judgment in identifying and choosing trade-offs between business impact, delivery speed, and long-term operational excellence
- Strong system design skills for both new and existing systems
- Experience with financial infrastructure or regulated environments (credit bureau data, PII, SOC2)
- Background in fintech, payments, or lending infrastructure
- Experience integrating third-party APIs reliably and communicating with technical vendors
- Experience with classical ML model training and production deployment
- Experience with observability, monitoring, and alarms in customer-facing systems
- Experience with using business metric focused A/B tests and experiments for new features
- Experience in leveling up the team through code reviews, design docs, and technical guidance
- Thoughtful use of AI tools to accelerate delivery while maintaining operational excellence
- Eagerness for product and feature ideation
- Experience with our stack is a plus: Ruby on Rails, React, Flutter, MySQL
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
- Bachelor's, master's, or equivalent strong self-taught fundamentals in computer science
- 6+ years of industry experience or high-slope professional growth with demonstrated product impact
- Strong full-stack development experience with a backend focus
- Proficiency or high proficiency in backend development
- Experience with web frontend development using React or mobile development using Flutter
- Strong cross-functional communication and collaboration skills
- Ability to own and drive complex projects end-to-end
- Ability to evaluate trade-offs among business impact, delivery speed, and operational excellence
- Strong system design skills for new and existing systems
- Experience with financial infrastructure or regulated environments
- Background in fintech, payments, or lending infrastructure
- Experience integrating third-party APIs and working with technical vendors
- Experience training and deploying classical machine learning models
- Experience with observability, monitoring, and alerting in customer-facing systems
- Experience running business-metric-focused A/B tests and experiments
- Experience mentoring teams through code reviews, design documentation, and technical guidance
- Experience with Ruby on Rails, React, Flutter, or MySQL
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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