Senior Software Engineer - Product Platform San Francisco

Senior Software Engineer - Product Platform

Kikoff: A Fin Tech 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 Fin Tech 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.

• Own critical platform services that the entire engineering organization depends on, including identity and KYC infrastructure, furnishing systems, and other core capabilities that need to be rock-solid, scalable, and continuously improving.
• Build and evolve foundational systems that power every product Kikoff ships, enabling product teams to move faster and serve customers better.
• Collaborate with cross-functional teams to define platform requirements and deliver reliable, secure, and scalable services.

• 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; strong fundamentals and quick learning are valued.
• A builder’s mindset — thrives in ambiguity, takes initiative, and enjoys owning systems end-to-end.
• Excellent communication skills; able to convey technical complexity clearly to diverse audiences and value teamwork.
• Experience building platform services or shared infrastructure used by multiple teams.
• Knowledge of identity verification and KYC processes is a plus.
• Excellent debugging instincts and the ability to trace unusual data states.

Base Range: $244,000 - $292,000 USD

Location: Hybrid, 3 days onsite in San Francisco, CA.

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.