Senior Software Engineer (Backend) Credit Builder Experience at Kikoff

Senior Software Engineer - Credit Builder ExperienceAt Kikoff were redefining how people build financial confidence helping millions of Americans establish credit access smarter financial products and reach their goals.As a Senior Backend Engineer on Kikoffs core credit-building team youll shape the systems that define how our users build and maintain strong credit. Youll work across the heart of our product experiencescaling the services that power credit actions subscriptions credit report processing financial monitoring and even drive our AI-driven smart credit coach. Your work will directly influence how millions of users understand improve and take control of their credit journey.In this role youll architect and evolve backend systems that must be highly reliable intelligent and adaptive as we grow. Youll design user-centric credit-building workflows integrate with major credit bureaus and financial data providers and help refine the payment and subscription infrastructure that supports our product. Youll also contribute to the technical foundation of our emerging AI coaching platform collaborating closely with product and data teams to transform complex credit insights into clear actionable guidance.What Youll Be DoingDesign and implement the backend systems that power Kikoffs core credit-building experience including credit actions subscription flows credit report processing financial monitoring and AI-driven coaching while ensuring they scale reliably as we grow.Own key domains within the credit-building platform driving architectural decisions and ensuring high reliability performance and a seamless user experience.Integrate with third-party credit bureaus financial data providers and internal services building robust APIs and data pipelines that ensure accuracy consistency and intelligent insights at scale.Improve and evolve credit-building workflows through experimentation iteration and data-driven optimization to help users achieve stronger credit outcomes.Collaborate cross-functionally with product data and mobile partners to design features that simplify complex financial and credit concepts for users.Contribute across the stack on user-facing experiences tied to credit actions subscription management and related financial features.Extend the platform to incorporate external financial and credit data sources helping users gain a holistic understanding of their financial health.Enhance observability and reliability across critical systems introducing monitoring alerting and fault tolerance that support a trustworthy credit-building foundation.Support adjacent product areas and shared systems across the engineering team contributing to Kikoffs broader financial wellness platform beyond core credit building.What Were Looking For5 years of experience building and scaling production systems.Experience with Ruby on Rails is a plus but not required; we value strong fundamentals and the ability to learn quickly.Deep understanding of system design API development and integrations especially with third-party platforms or payment providers.Familiarity with large language models (LLMs) MCP or AI system architecture is a strong plus especially experience integrating AI capabilities into user-facing products.Experience with payment processing systems ACH cards or other financial transaction flows is a major plus.Comfort working across the stack and collaborating closely with mobile and product engineers.Passion for experimentation and optimization using data and iteration to improve customer outcomes.Strong product sense you care about building the right thing not just building it right.A builders mindset thrives in ambiguity takes initiative and enjoys owning systems end-to-end.Kikoff: A FinTech Unicorn Powering Financial Progress with AIAt Kikoff our mission is to provide radically affordable financial tools to help consumers achieve financial security. Were 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. Medical dental and vision coverage - Kikoff covers the full cost of health insurance for the employee! Meaningful equity in the form of RSUs Flexible vacation policy to help you recharge Competitive pay based on experience consisting of base equity benefitsLocation: Hybrid 3 days onsite in San Francisco CA.Visa sponsorship available: Kikoff is willing to provide sponsorship for H1-B visas and U.S. green cards for exceptional talent.Equal Employment Opportunity StatementKikoff 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.Required Experience:Senior IC Key Skills Spring,.NET,C/C++,Go,React,OOP,C#,AWS,Data Structures,Software Development,Java,Distributed Systems Employment Type : Full-Time Department / Functional Area: Engineering Experience: years Vacancy: 1 Monthly Salary Salary: 200 - 260