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Kikoff: A FinTech Unicorn Powering Financial Progress with AI
At Kikoff, our mission is to provide radically affordable financial tools to help consumers achieve financial security. We're a profitable, high growth FinTech unicorn serving millions of people, many of whom are building credit or navigating life paycheck to paycheck. With innovative technology and AI, we simplify credit building, reduce debt, and expand access to financial opportunities to those who need them the most. Founded in 2019, Kikoff is headquartered in San Francisco and backed by top-tier VC investors and NBA star Stephen Curry.
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.
At Kikoff, we’ve redefined how people build financial confidence, helping millions of Americans establish credit, access smarter financial products, and reach their goals.
We're looking for a Senior Software Engineer to join our Product Platform team, where you'll build and evolve the foundational systems that power every product we ship. You'll own critical platform services that the entire engineering organization depends on—our identity and KYC infrastructure, furnishing systems, and other core capabilities that need to be rock-solid, scalable, and continuously improving. Your work will directly enable product teams to move faster and serve customers better.
What We’re Looking For
5+ years of experience building and scaling production systems.
Comfortable leveraging AI tools to work smarter and ship better products faster without sacrificing quality.
Experience with Ruby on Rails is a plus but not required; we value strong fundamentals and the ability to learn quickly.
A builder’s mindset — thrives in ambiguity, takes initiative, and enjoys owning systems end-to-end.
You communicate technical complexity clearly and appropriately depending on the audience, listen actively and humbly to feedback, and know that great software is built by teams, not individuals.
Experience building platform services or shared infrastructure used by multiple teams
Knowledge of identity verification and KYC processes a plus
Excellent debugging instincts and the ability to piece together how unusual data states occurred
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.
Top Skills
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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