Kikoff is a personal finance platform offering credit-building solution. The company headquartered in San Francisco aims to provide fair, effective, and simple pathways to meet your financial goals.
Pros
- Talented engineering org - Proactive / open dialog leadership - Fun company events / hackathons - Good office cultureCons
- Needs more engineers / data folksHelp us build refreshingly fair, effective, and simple pathways for consumers to meet their financial goals.





Equal opportunity for everyone. Building a more inclusive financial system starts with building an inclusive team. We believe that everyone deserves to be treated equally, and we’re proud to be an equal opportunity workplace. Talent. We know the ins and outs of credit building, having worked at major financial technology companies. We care deeply about improving financial access for everyone.
Kikoff, a personal finance platform, offers a straightforward credit-building solution with no fees, 0% interest, and no credit inquiry. Many people don't have the credit scores they deserve, and Kikoff aims to change that by providing an accessible and affordable credit-building solution. It's the fastest-growing and top-rated credit-building mobile app, suitable for those new to credit or seeking an extra boost. Kikoff's ambition goes beyond credit building; they're developing a personal finance platform to help consumers attain financial wellness. With a mission rooted in personal experiences, Kikoff strives to offer fair, effective, and straightforward pathways to financial goals. As a Series B company, Kikoff has secured over $42 million in total funding, with investments from notable firms like Portage Ventures, Lightspeed Venture Partners, GGV, Coatue, Core Innovation Capital, and NBA star Stephen Curry. Founded in 2019, Kikoff is headquartered in San Francisco, California.



Cynthia is the co-founder and CEO of Kikoff, a purpose-driven startup dedicated to assisting individuals in establishing credit without any cost. She is a serial entrepreneur with a track record of building three FinTech unicorns prior to Kikoff. Additionally, she engages in investments in startup ventures, both within the U.S. and emerging markets.





Review of Kikoff: A Credit-Building Solution for Just $5 per Month Kikoff provides a revolving line of credit and reports your payment history to both Equifax and Experian.
As an organization, they empower their team members to attain their objectives and foster mutual growth through the provision of a collaborative and open workplace.
Cynthia Chen of Kikoff: “Investing During The Pandemic; What Should I Do With My Money Considering All of the Volatility and Uncertainty Today”
Kikoff raises $30M for its hybrid consumer-credit and financial-literacy service
Read pressKikoff seeks a Senior Software Engineer to design, operate, and scale core platform services that power the company’s consumer fintech products.
Be a founding mobile engineer on Kikoff’s App Factory, building 0-to-1 Flutter apps and the reusable mobile platform that will power rapid experimentation and new fintech products.
Kikoff is hiring a Senior Software Engineer on the Partnerships team to design and implement scalable API-driven integrations and multi-tenant systems for enterprise partners.
Lead development of production-grade iOS/Android mobile features for a high-growth fintech product, owning architecture, integrations, and delivery across the user lifecycle.
Kikoff is hiring a Senior Backend Software Engineer to architect and ship new 0→1 products while building the reusable backend systems that power rapid app creation and experimentation.
Kikoff is hiring a Senior Backend Software Engineer on the Grant Growth team to build and scale payment, subscription, and lifecycle systems that serve hundreds of thousands to millions of users.
Experienced backend engineer needed to help evolve Kikoff’s flagship tradeline platform and deliver measurable product impact across retention, engagement, and revenue.
Kikoff is hiring a Senior Backend Engineer to own design and implementation of scalable APIs and backend systems for a zero-to-one fintech product built on top of the company’s core platform.
Kikoff seeks a Senior Software Engineer to design, build, and operate the payments platform that powers repayment flows and processes hundreds of millions in annual transactions.
Help build and scale the core payment, underwriting, and collections systems at Kikoff to deliver reliable, real-time financial services to millions of customers.
Lead the architecture and development of a new enterprise B2B SaaS platform at Kikoff, shaping technical direction, security posture, and product strategy for credit-focused integrations.
Develop leadership and cross-functional expertise at Kikoff as a Rotational Associate Manager, rotating through Product Marketing, Growth Marketing, and Business Development to accelerate your career.
Kikoff is hiring a Spanish-speaking Creative Manager (contract) to manage Spanish-language creative production, translations, and quality across marketing and lifecycle communications.
Kikoff is looking for a Platform Engineer to design and build secure, automated self-service infrastructure and CI/CD workflows that accelerate engineering velocity in a regulated fintech environment.
Kikoff is hiring a Senior Compliance Analyst to lead compliance program implementation and risk mitigation for its consumer fintech products while partnering closely with Product, Engineering, and Operations.
Kikoff is hiring a Senior Fraud and Risk Analyst to lead detection and mitigation of payment and account-level fraud across our fintech product suite in San Francisco.
Kikoff is seeking a hands-on Lifecycle Marketing Associate to design, test, and scale lifecycle campaigns that boost retention and lifetime value at our San Francisco HQ.