Senior Backend Engineer - Growth & Personalization

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.

We’re looking for a Senior Backend Engineer to join the Growth & Personalization 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

Location: Hybrid, 3 days onsite in San Francisco, CA.

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.