Senior Backend Engineer - Growth & Personalization
Role summary
Kikoff is a FinTech unicorn seeking a Senior Backend Engineer for its Growth & Personalization Team. This role focuses on enhancing a credit-building product using AI and machine learning to drive user financial progress. The engineer will own initiatives from prototyping to production, leveraging data-driven decisions and creativity to amplify impact. The position requires 4+ years of industry experience, proficiency in backend development, and a data-driven mindset. Kikoff is based in San Francisco and offers a hybrid work environment.
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
Base Range
$244,000 - $292,000 USD
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.