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Kikoff
San Francisco
Source: Kikoff careers · View original posting
From Kikoff's posting. “We” and “our” refer to the employer.
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.
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.
Fynn is Kikoff's AI credit coach, and the intelligence layer across our entire ecosystem. Rather than offering generic advice, Fynn analyzes a user's credit report and financial profile to deliver highly personalized answers, surface the next steps that matter most for their goals, and connect them directly to the tools that help them take action, from credit-building to AI-powered debt negotiation, all within Kikoff.
Fynn is already one of the most-used surfaces in the Kikoff app, and early engagement shows real demand for guidance people can actually act on. Debt is the single most common topic users bring to it, and from a single chat a user can launch our voice agent to negotiate with creditors on their behalf. Members who lean on Fynn tend to make faster progress on their credit, and we're still early in what it can become.
We're looking for a Senior Backend Engineer to help take Fynn from a powerful reactive assistant to a proactive coach that anticipates user needs and prevents credit mistakes before they happen. You'll own the backend systems that power personalization, orchestrate LLM and agent workflows, and turn millions of conversations into measurable financial progress at scale, in a regulated environment where accuracy and trust are non-negotiable.
Read more about Fynn's launch and early impact
You'll build the intelligence layer at the center of Kikoff, the product that increasingly defines how millions of users experience their financial journey.
Your work directly improves the financial lives of real customers. Not nice-to-haves, but measurable, life-changing outcomes.
AI is at the core of the company, not a side project. You'll work at the frontier of applied LLM systems in a real, regulated, high-stakes consumer product.
Greenfield opportunities to architect new systems as Fynn evolves from reactive assistant to proactive coach.
Small, high-impact team where your contributions are immediately visible.
Base Range
$244,000 — $292,000 USD
Equal Employment Opportunity Statement
Please reference the following for more information.
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.
LAYIQ is an independent job-discovery service. This listing does not imply a partnership with or endorsement by the employer. Review the original posting for current details and availability.
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