Software Engineer - Recent Grad
kikoffAbout the role
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.
Calling all new grad and junior software engineers who are looking for fast personal and career growth in consumer fintech. Skip the bureaucracy of a big company and work with a seasoned startup product and engineering team. We balance best practices from our experience in post-IPO companies with the familiar intuition that comes from pre-IPO zero-to-one work.
Our mission is to create fair, effective, and simple financial pathways to help 100M Americans reach their financial goals. Investors include Lightspeed, Coatue and GGV. Founders are serial entrepreneurs who co-founded and served as C-suite executives at 3 FinTech unicorns.
Our backend is written in Ruby on Rails on AWS, using lots of vanilla infrastructure. Our frontend and mobile apps are written in ReactJS on Vercel and Flutter. Strong internships and general open-source experience are necessary, but familiarity with our particular stack is preferred.
Requirements:
B.A. / B.S. / M.S. or strong self-taught fundamentals in computer science
Expertise in Rails, cloud infrastructure, ReactJS, or Flutter
2+ years of industry experience or equivalent
Passion for early stage products and startups
Desire to form strong professional bonds with coworkers
Base Range
$165,000—$165,000 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.
Responsibilities
- You will work with a seasoned startup product and engineering team to build consumer fintech products.
- Your role involves contributing to the development of financial tools that help millions of people achieve financial security.
Qualifications
- B.A. / B.S. / M.S. or strong self-taught fundamentals in computer science
- Expertise in Rails, cloud infrastructure, ReactJS, or Flutter
- 2+ years of industry experience or equivalent
- Passion for early stage products and startups
- Desire to form strong professional bonds with coworkers
Skills mentioned
About kikoff
Kikoff was founded in 2019 with a not-so-simple goal: make it easier for people to build credit. And it’s working. With 2 million customers, we’re helping people achieve their credit goals, so they can build the life they deserve. And we’re just getting started. We’re profitable, growing fast, and we’ve achieved Unicorn status. Our team is made up of data scientists, engineers, AI developers, product designers, & financial gurus. Credit is key to big milestones — from opening a credit card to getting better rates on loans. But there’s a catch: it’s easier to build credit, when you already have it. CEO and Founder, Cynthia Chen, understood this first hand, so they built a solution. Kikoff’s main product is our Credit Account, a reported tradeline exclusively focused on building credit. But we didn’t stop there. We’ve added accessible features like Rent & Bill Reporting and our AI-powered Debt Negotiation tool to take the time and headaches out of leveling up your financial health. AI is a game changer—and we’re using it to make our products future-proof. Check out our career site to see how you can help credit builders score.