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    KI

    Kikoff

    Information Technology & Services

    Senior Fullstack Engineer - User Retention & App Ecosystem

    San Francisco, United StatesOn-SiteFull-time6+ yrs experiencePosted 1w ago
    All Kikoff jobs

    Job description

    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.

    About the team

    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

    1. Lead and implement data-driven and impact-focused projects around user-retention and ecosystem integration end-to-end, affecting millions of users.
    2. 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.
    3. Enhance observability, reliability, and operational excellence across existing services.

    What we’re looking for

    1. B.A. / B.S. / M.S. or strong self-taught fundamentals in computer science
    2. 6+ years of industry experience, or high-slope growth, with demonstrated breadth and depth of product impact
    3. 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)
    4. Strong cross-functional communication and coworking skills with product, data, design, and legal partners
    5. Demonstrated ability to own and drive complex projects end-to-end, coordinating focused teams through ideation, requirements, design, implementation, launch, and post-launch.
    6. Good judgment in identifying and choosing trade-offs between business impact, delivery speed, and long-term operational excellence
    7. Strong system design skills for both new and existing systems

    An ideal candidate also shows

    • 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
    Base Range
    $244,000—$292,000 USD

    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.

    Job details are sourced from the employer's original posting.

    Open job posting
    KI

    About the company

    Kikoff

    Kikoff was founded in 2019 with a not-so-simple goal: make it easier for people to build credit. Credit plays a huge role in our lives, from opening a credit card to qualifying for a home loan. But there's a catch, it's easier to build credit, when you already have it. ‍ Co-founders Cynthia Chen and Christophe Chong understood this challenge first hand, so they built a solution. Kikoff's main product is our Credit Account, a specialized, reported credit line exclusively focused on building credit. We've expanded the features of our paid account to include things like spam call blocking, identity protection, rent reporting, and more. Over a million people have used Kikoff to build their credit.

    View all Kikoff jobsLinkedIn
    Industry
    Information Technology & Services
    Founded
    2019
    Open roles
    47

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