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. Senior Software Engineer - Product Platform At Kikoff, we’ve redefined how people build financial confidence, helping millions of Americans establish credit, access smarter financial products, and reach their goals. We're looking for a Senior Software Engineer to join our Product Platform team, where you'll build and evolve the foundational systems that power every product we ship. You'll own critical platform services that the entire engineering organization depends on—our identity and KYC infrastructure, furnishing systems, and other core capabilities that need to be rock-solid, scalable, and continuously improving. Your work will directly enable product teams to move faster and serve customers better. What We’re Looking For 5+ years of experience building and scaling production systems. Comfortable leveraging AI tools to work smarter and ship better products faster without sacrificing quality. Experience with Ruby on Rails is a plus but not required; we value strong fundamentals and the ability to learn quickly. A builder’s mindset — thrives in ambiguity, takes initiative, and enjoys owning systems end-to-end. You communicate technical complexity clearly and appropriately depending on the audience, listen actively and humbly to feedback, and know that great software is built by teams, not individuals. Experience building platform services or shared infrastructure used by multiple teams Knowledge of identity verification and KYC processes a plus Excellent debugging instincts and the ability to piece together how unusual data states occurred Base Range $244,000 — $292,000 USD 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 .

Requirements

Must-haves

At Kikoff, we’ve redefined how people build financial confidence, helping millions of Americans establish credit, access smarter financial products, and reach their goals.
What We’re Looking For
5+ years of experience building and scaling production systems.
Comfortable leveraging AI tools to work smarter and ship better products faster without sacrificing quality.
A builder’s mindset — thrives in ambiguity, takes initiative, and enjoys owning systems end-to-end.
You communicate technical complexity clearly and appropriately depending on the audience, listen actively and humbly to feedback, and know that great software is built by teams, not individuals.
Experience building platform services or shared infrastructure used by multiple teams
Excellent debugging instincts and the ability to piece together how unusual data states occurred

Nice-to-haves

Experience with Ruby on Rails is a plus but not required; we value strong fundamentals and the ability to learn quickly.
Knowledge of identity verification and KYC processes a plus

Application prep

Use the role’s language and application details while tailoring your materials.

Keywords to mirror

Platform: greenhouse
Effort: quick