Kikoff · 2 weeks ago
Senior Software Engineer - Payments
San Francisco, CA
Full-time
Hybrid
Senior Level
5+ years expKikoff is a FinTech unicorn focused on providing affordable financial tools to help consumers achieve financial security. They are seeking a Senior Software Engineer to design and implement core backend systems for their payments platform, ensuring reliability and scalability while integrating with third-party payment providers.
CreditFinanceFinancial ServicesFinTechPersonal Finance
Responsibilities
Design and implement core backend systems for payments processing, reconciliation, and transaction management — scaling to handle hundreds of millions of dollars in volume
Own the payments domain within Kikoff’s core product team, ensuring reliability, scalability, and high-quality user experiences
Integrate with third-party payment providers and internal services, building robust APIs and data pipelines that ensure accuracy and consistency at scale
Experiment and iterate on payment and repayment flows to improve conversion and repayment success rates
Collaborate cross-functionally with product, data, and finance teams to ensure payments are seamless, compliant, and insightful
Contribute across the stack on user-facing experiences tied to core subscription payments and related features — from checkout and repayment flows to account management
Extend payments capabilities beyond Kikoff’s own products to support external transaction data, helping users build a holistic picture of their finances
Enhance observability and reliability, introducing monitoring, alerting, and fault tolerance into payment-critical systems
Support adjacent product areas, contributing to shared systems and features beyond payments as part of a cross-functional engineering team
Qualification
Required
5+ years of experience building and scaling production systems
Deep understanding of system design, API development, and integrations, especially with third-party platforms or payment providers
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 builder's mindset — thrives in ambiguity, takes initiative, and enjoys owning systems end-to-end
Preferred
Experience with Ruby on Rails is a plus but not required; we value strong fundamentals and the ability to learn quickly
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
Morningstar.com
2026-01-01
Foundation Capital
2025-12-24
Company data provided by crunchbase