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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.
Build and scale a top finance app on iOS and Android that directly impacts the financial lives of hundreds of thousands of users, growing to millions as we expand our advancing, credit building, and future banking products.
Own end-to-end feature development across the user lifecycle - from the first identity verification and onboarding flows to cash advances, cash flow management, income earning opportunities, to account management experiences.
Integrate with financial service providers (Plaid, Stripe, Tabapay) and internal APIs, building robust mobile interfaces that handle sensitive financial data with accuracy and security at scale.
Develop reusable components, design system elements, and feature scaffolds that accelerate experimentation velocity across our multi-brand mobile platform (Grant, Kikoff, Banking).
Enhance mobile platform foundations - improving build systems, CI/CD pipelines, code generation tooling, and developer velocity for our growing team.
You'll work closely with product, data science, and operations teams to ship features that directly impact customers' financial wellbeing while maintaining the highest standards of reliability, security, and compliance.
What We're Looking For
5+ years of mobile development experience with a track record of building and scaling production apps across iOS and/or Android.
Strong mobile architecture skills - deep understanding of state management patterns, app architecture (MVVM, MVI, Clean Architecture), and building maintainable codebases at scale.
Production app ownership - you've shipped consumer-facing apps at scale, handled crashes, edge cases, and maintained features through multiple releases.
A mobile platform expertise - solid foundation in iOS (Swift/UIKit/SwiftUI) and/or Android (Kotlin/Java/Jetpack Compose) development.
Testing mindset - comfortable writing unit, integration, and UI tests; you build quality in from the start.
API integration experience - skilled at working with REST APIs, handling async operations, error states, and building resilient network layers.
Ideal Candidate Also Has
Flutter/Dart experience - familiarity with Flutter framework, cross-platform development, or strong willingness to learn (our codebase is Flutter-based).
Fintech experience - background with payment systems, banking APIs (Plaid, Stripe), identity verification (Sentilink, Persona), or financial services infrastructure.
Technical leadership - ability to own complex mobile initiatives end-to-end, from architecture design through implementation, testing, and rollout.
Mentorship - help level up the team through code reviews, design docs, technical guidance, and establishing mobile best practices.
Impact focus - balance technical excellence with pragmatic delivery - you know when to build for scale vs. ship fast and learn.
Cross-functional collaboration - partner effectively with backend engineers, product, and designers to deliver seamless end-to-end experiences.
Operational excellence - take ownership of the reliability and performance of features you build, monitoring production issues and iterating quickly.
We're scaling hyperfast! Our mobile products are growing rapidly with significant scope to expand features, infrastructure, and the team.
Direct user impact - your work immediately improves the financial lives of real customers. Not nice-to-haves, but life-changing products (cash advances, credit building, banking).
Greenfield opportunities - build new 0-to-1 experiences and features alongside modernization of existing flows. Shape the mobile platform as we grow.
Small, high-impact team - your contributions are immediately visible. Own features end-to-end and see them impact thousands of users weekly
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 mobile development experience
- Strong mobile architecture skills
- Production app ownership experience
- Mobile platform expertise in iOS and/or Android
- Experience with API integration
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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