At Kikoff, we’ve redefined how people build financial confidence, helping millions of Americans establish credit, access smarter financial products, and reach their goals. We're looking for a Senior Software Engineer to help build and shape something new from the ground up. You'll be joining a small, focused team launching an enterprise platform that major financial institutions will depend on every day. This is a rare 0-to-1 opportunity where your architectural decisions, technical choices, and product instincts will define how we build and scale this initiative. You'll have significant ownership over how we design the platform architecture, establish development practices, and approach complex credit workflows. You'll be a key voice in shaping the product strategy and determining how we balance speed with the rigorous security and compliance requirements that come with handling credit data at scale. 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.