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.
Senior HR Business Partner, Engineering & Data
Kikoff is looking for a Senior HR Business Partner to support Engineering and Data — a 50+ person team at the center of a profitable, pre-IPO consumer fintech — and to lead the AI-driven evolution of how we run the People function. This is not a traditional HRBP role. You will operate as a product manager for the employee experience, designing, building, and maintaining AI-powered workflows and agents across the full employee lifecycle. You will also be the embedded People partner to the CTO's Chief of Staff, engineering and data leaders, and the managers who run our day-to-day delivery.
Your success will be measured through quantifiable improvements in talent outcomes, the quality and reliability of the AI workflows and agents you build, and your ability to influence culture and organizational effectiveness through data-driven insights. This role reports to the VP of People and works in close partnership with CTO and his Chief of Staff. You'll also collaborate with Recruiting, People Analytics, and People Operations on the systems that run underneath this work. This is a senior individual contributor role — no direct reports — with significant ownership over how Engineering and Data operate as a team.
What You'll Do
- Operate as a product manager for the employee experience. Own the build, launch, and maintenance of AI-powered workflows and agents across the lifecycle moving us from multi-week HR cycles to fast, automated ones
- Architect the foundational talent systems for Engineering and Data: career ladders, and promotion criteria, including the technical and behavioral expectations at each level
- Drive comp planning end-to-end (merit, equity refresh, promotion increases, out-of-cycle adjustments) and coach managers through the full performance lifecycle, including the harder calibration and feedback conversations
- Build automated dashboards and predictive analytics that let leadership make evidence-based decisions on engagement, attendance, learning ROI, retention risk, and high-potential identification
- Own employee relations for the Eng and Data populations — investigations, performance management, accommodations, and sensitive transitions — coordinating with Legal and the VP of People
- Partner with Recruiting on workforce planning, role architecture, leveling decisions, and offer construction for senior technical roles, and support immigration cases (H-1B, green card, wage-weighted lottery) with our external counsel
- Use data to shape policies on remote work, time off, and professional development, and build manager development and skill-gap-driven programs for Eng and Data leaders
- Support IPO readiness workstreams that touch the Eng and Data populations, including workforce compliance, equity education, and SEC-required disclosures
About You
- 5+ years of progressive HR experience, including at least 3 years in an HRBP role at a venture-backed tech company, with deep experience partnering with technical functions — ideally Engineering, Data, or Product. An advanced degree in Industrial & Organizational Psychology, HR, Business Analytics, or a related field is a plus
- A builder with a product mindset — comfortable writing PRDs, managing a backlog, and iterating on tools and agents. You ship, learn, and improve rather than wait for perfect conditions
- An AI-forward practitioner who has moved past using AI to answer questions and is actively building automation into the way HR work gets done
- Strong analytical and statistical skills, with hands-on experience in HR analytics tooling. Comfortable building models that go meaningfully beyond survey averages and headcount reports
- Fluent in technical comp and engineering leveling frameworks (IC ladders, management tracks, dual-track architectures), with a point of view on what makes them hold up under real-world calibration
- A first-principles thinker — comfortable challenging traditional HR "best practices" when data or technology suggests a better path
- Direct experience partnering with senior technical leaders (CTO, VPE, Director-level engineering managers) as a trusted partner, not a service provider, including the judgment calls that come with employee relations work — investigations, accommodations, terminations
- You read situations the way a good manager would — you can tell when an ER case is really about a manager problem, when a comp request is really about a title problem, and when a "process" complaint is really about something else
Kikoff: A FinTech Unicorn Powering Financial Progress with AI
Kikoff is an AI-first fintech company on a mission to empower people to achieve financial security. As a profitable unicorn, we've helped over 2 million customers build credit and take control of their financial futures. Our products — including our top-rated credit builder, AI debt negotiator, and AI credit disputes tool — are the highest-rated in their categories on both iOS and Android. Backed by top-tier venture capital, Kikoff is growing fast and building toward IPO.
Why Kikoff
Joining Kikoff means working at a company where the mission is real and the impact is measurable. You'll work alongside a lean, high-caliber team that values ownership, candor, and speed. The problems are complex, the pace is fast, and the opportunity to shape how millions of people interact with financial products is rare.
💰 US salary range: $170,000 – $210,000 base + equity
🏥 Medical, dental, vision — Kikoff covers the full cost for employees, 50% for dependents
📈 Stock options
🛃 Visa sponsorship available
Equal Employment Opportunity Statement: At Kikoff, we are committed to providing equal employment opportunities for all applicants and employees. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, disability status, or any other classification protected by applicable law.
San Francisco Fair Chance Ordinance: Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
## NOTICE TO RECRUITING AGENCIES
Kikoff does not accept unsolicited resumes from recruiting agencies or search firms. Any resume or candidate profile submitted without a signed agreement and approved job order will be considered the property of Kikoff, and no fee will be owed.
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 progressive HR experience
- 3 years in an HRBP role at a venture-backed tech company
- Strong analytical and statistical skills
- Direct experience partnering with senior technical leaders
- An advanced degree in Industrial & Organizational Psychology, HR, or Business Analytics
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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