Kikoff · 4 hours ago
Senior Software Engineer - (Backend) App Factory
San Francisco, CA
Full-time
Hybrid
Mid, Senior Level
4+ years expKikoff is a FinTech unicorn focused on helping consumers achieve financial security through innovative technology and AI. They are seeking a Senior Software Engineer to architect and build new products from the ground up, driving both product and platform outcomes within a fast-paced, incubation team.
CreditFinanceFinancial ServicesFinTechPersonal Finance
Responsibilities
Architect and ship the first version of a new 0 to 1 product - from concept to launch
Design and own reusable systems, growth tooling, and experimentation infrastructure that accelerate iteration across this and future Kikoff verticals
Balance speed with foundation - knowing when to move fast to learn, and when to invest in the right abstractions to scale
Design and implement core APIs, growth automation services, and backend systems that power new product verticals
Build flexible, scalable Rails architectures that balance iteration speed with long-term maintainability
Build flexible, reusable microservices shared across Kikoff’s product ecosystem
Partner with product and data to set up experimentation infrastructure, metrics pipelines, and event tracking
Own end-to-end integrations and services that make new products possible
Contribute to internal tooling and shared libraries that improve developer productivity and system observability
Help define Kikoff’s backend platform strategy - enabling future 0 to 1 initiatives to spin up faster and safer
Qualification
Required
4+ years of experience building and scaling production systems, ideally in Ruby on Rails
Solid grasp of system design, API development, and data modeling
Comfort working across the stack and collaborating closely with mobile and product teams
Excited by fast iteration, ownership, and helping shape platform foundations for future products
Experience balancing iteration speed with clean architecture and testing discipline
Strong product sense - you care about the 'why' behind features as much as the 'how.'
Entrepreneurial mindset - thrives in ambiguity, takes initiative, and loves turning ideas into working systems
Benefits
Medical, dental, and vision coverage - Kikoff covers the full cost of health insurance for the employee!
Meaningful equity in the form of RSU's
Flexible vacation policy to help you recharge
Competitive pay based on experience consisting of base + equity + benefits
Company
Kikoff
Kikoff provides credit building services through secured cards and rent reporting.
51-200 employees
H1B Sponsorship
Kikoff has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (16)
2024 (8)
2023 (5)
2022 (2)
2020 (2)
Funding
Current Stage
Growth StageTotal Funding
$42.5MKey Investors
Portage VenturesLightspeed Venture Partners
2021-06-10Series B· $30M
2020-07-01Series A· $10M
2019-11-18Seed· $2.5M
Leadership Team
Kevin Otsuka
VP of Growth
Patrick Glover
Head of Operations
Recent News
Business Wire
2026-01-15
Morningstar.com
2026-01-01
Foundation Capital
2025-12-24
Company data provided by crunchbase