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.
We’re looking for a Senior Backend Engineer to join the Growth Team behind our flagship credit-building product — one that’s already driving measurable, large-scale impact for our users and our business.
This isn’t about chasing vanity metrics or running random A/B tests. The team is our engine of impact — rapidly testing, iterating, and shipping ideas that help millions of Americans build stronger financial futures. Every project you touch already has proven traction; your mission is to amplify it through code, creativity, and data-driven decisions. At the same time, we aim to deliver personalization at every step using machine learning. You’ll own initiatives end-to-end: from rapid prototyping to production rollout, from analytics instrumentation to user-facing polish.
Requirements:
- B.A. / B.S. / M.S. or strong self-taught fundamentals in computer science
- 4+ years of industry experience, with demonstrated breadth and depth of product impact
- Proficient in backend development
- Be a data-driven individual who makes decisions based on insights and metrics.
- Desire to form strong professional bonds with startup-forward coworkers
A note on applying: We know great candidates sometimes hold back if they don’t meet every qualification listed. If you’re excited about this role and believe you can do the work, we encourage you to apply. We’re looking for capability and trajectory, not a perfect checklist match.
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.
Kikoff San Francisco, California, USA Office
We’re headquartered in the Financial District of San Francisco where public transit is just a short walk away at Embarcadero Station.
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