Senior Software Engineer - (Backend) Credit Builder ExperienceKikoff • United States

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Senior Software Engineer - (Backend) Credit Builder Experience

Kikoff

United States

United States

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h3strongSenior Software Engineer - Credit Builder Experience/strong/h3p style=min-height:1.5emAt Kikoff, were redefining how people build financial confidence, helping millions of Americans establish credit, access smarter financial products, and reach their goals./pp style=min-height:1.5emAs a strongSenior Backend Engineer/strong on Kikoffs core credit-building team, youll shape the systems that define how our users build and maintain strong credit. Youll work across the heart of our product experiencescaling the services that power credit actions, subscriptions, credit report processing, financial monitoring, and even drive our AI-driven smart credit coach. Your work will directly influence how millions of users understand, improve, and take control of their credit journey./pp style=min-height:1.5emIn this role, youll architect and evolve backend systems that must be highly reliable, intelligent, and adaptive as we grow. Youll design user-centric credit-building workflows, integrate with major credit bureaus and financial data providers, and help refine the payment and subscription infrastructure that supports our product. Youll also contribute to the technical foundation of our emerging AI coaching platform, collaborating closely with product and data teams to transform complex credit insights into clear, actionable guidance./pp style=min-height:1.5em/ph3strongWhat Youll Be Doing/strong/h3ul style=min-height:1.5emlip style=min-height:1.5emstrongDesign and implement the backend systems that power Kikoffs core credit-building experience/strong,strong /strong including credit actions, subscription flows, credit report processing, financial monitoring, and AI-driven coaching, while ensuring they scale reliably as we grow.strongbr //strong/p/lilip style=min-height:1.5emstrongOwn key domains within the credit-building platform,/strong driving architectural decisions and ensuring high reliability, performance, and a seamless user experience.strongbr //strong/p/lilip style=min-height:1.5emstrongIntegrate /strongwith third-party credit bureaus, financial data providers, and internal services, strongbuilding robust APIs and data pipelines/strong that ensure accuracy, consistency, and intelligent insights at scale.strongbr //strong/p/lilip style=min-height:1.5emImprove and evolve credit-building workflows through strongexperimentation, iteration, and data-driven optimization/strong to help users achieve stronger credit outcomes.strongbr //strong/p/lilip style=min-height:1.5emstrongCollaborate cross-functionally /strongwith product, data, and mobile partners to design features that simplify complex financial and credit concepts for users.br //p/lilip style=min-height:1.5emContribute across the stack on user-facing experiences tied to credit actions, subscription management, and related financial features.strongbr //strong/p/lilip style=min-height:1.5emstrongExtend the platform /strongto incorporate external financial and credit data sources, helping users gain a holistic understanding of their financial health.strongbr //strong/p/lilip style=min-height:1.5emstrongEnhance observability and reliability /strongacross critical systems, introducing monitoring, alerting, and fault tolerance that support a trustworthy credit-building foundation.strongbr //strong/p/lilip style=min-height:1.5emstrongSupport adjacent product areas and shared systems across the engineering team, /strongcontributing to Kikoffs broader financial wellness platform beyond core credit building./p/li/ulh3strongWhat Were Looking For/strong/h3ul style=min-height:1.5emlip style=min-height:1.5emstrong5+ years of experience/strong building and scaling production systems./p/lilip style=min-height:1.5emExperience with strongRuby on Rails/strong is a plus but not required; we value strong fundamentals and the ability to learn quickly./p/lilip style=min-height:1.5emDeep understanding of strongsystem design, API development, and integrations/strong, especially with third-party platforms or payment providers./p/lilip style=min-height:1.5emFamiliarity with stronglarge language models (LLMs)/strong, MCP, or AI system architecture is a strong plus especially experience integrating AI capabilities into user-facing products./p/lilip style=min-height:1.5emExperience with strongpayment processing systems/strong, ACH, cards, or other financial transaction flows is a major plus./p/lilip style=min-height:1.5emComfort working across the stack and collaborating closely with mobile and product engineers./p/lilip style=min-height:1.5emPassion for strongexperimentation and optimization/strong, using data and iteration to improve customer outcomes./p/lilip style=min-height:1.5emStrong strongproduct sense/strong you care about building the right thing, not just building it right./p/lilip style=min-height:1.5emA strongbuilders mindset/strong thrives in ambiguity, takes initiative, and enjoys owning systems end-to-end./p/li/ulp style=min-height:1.5emstrongKikoff: A FinTech Unicorn Powering Financial Progress with AIbr //strongAt Kikoff, our mission is to provide radically affordable financial tools to help consumers achieve financial security. Were 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./pp style=min-height:1.5emstrongWhy Kikoff:/strong/pp style=min-height:1.5emThis 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./pp style=min-height:1.5em???? Medical, dental, and vision coverage - Kikoff covers the full cost of health insurance for the employee!/pp style=min-height:1.5em???? Meaningful equity in the form of RSUs/pp style=min-height:1.5em???? Flexible vacation policy to help you recharge/pp style=min-height:1.5em???? Competitive pay based on experience consisting of base + equity + benefits/pp style=min-height:1.5emLocation: Hybrid, 3 days onsite in San Francisco, CA./pp style=min-height:1.5emstrongVisa sponsorship available: Kikoff is willing to provide sponsorship for H1-B visas and U.S. green cards for exceptional talent./strong/pp style=min-height:1.5emuEqual Employment Opportunity Statement/u/pp style=min-height:1.5emKikoff 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./pp style=min-height:1.5emPlease reference the following fora target=_blank rel=noopener noreferrer nofollow href=https://www.eeoc.gov/sites/default/files/2022-10/22-088_EEOC_KnowYourRights_10_20.pdf umore information/u/a./p

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