Kikoff · 4 weeks ago
Senior Software Engineer (Mobile) - Credit Builder Experience
San Francisco, CA
Full-time
Hybrid
Senior Level
$200K/yr - $260K/yr
5+ years expKikoff is a FinTech unicorn focused on helping consumers achieve financial security through innovative technology and AI. As a Senior Mobile Engineer, you will shape the mobile experiences that define how users build and maintain strong credit, crafting intuitive interfaces and collaborating with backend engineers to integrate financial services.
CreditFinanceFinancial ServicesFinTechPersonal Finance
Responsibilities
Build and scale a top finance app on iOS and Android that directly impacts the financial lives of hundreds of thousands of users, growing to millions as we expand our advancing, credit building, and future banking products
Own end-to-end feature development across the user lifecycle - from the first identity verification and onboarding flows to credit report deep-dives, financial management, and AI-driven credit coaching
Integrate with financial service providers (Plaid, Stripe, Tabapay) and internal APIs, building robust mobile interfaces that handle sensitive financial data with accuracy and security at scale
Develop reusable components, design system elements, and feature scaffolds that accelerate experimentation velocity across our multi-brand mobile platform (Kikoff, Grant, App Factory)
Enhance mobile platform foundations - improving build systems, CI/CD pipelines, code generation tooling, and developer velocity for our growing team
Qualification
Required
5+ years of mobile development experience with a track record of building and scaling production apps across iOS and/or Android
Strong mobile architecture skills - deep understanding of state management patterns, app architecture (MVVM, MVI, Clean Architecture), and building maintainable codebases at scale
Production app ownership - you've shipped consumer-facing apps at scale, handled crashes, edge cases, and maintained features through multiple releases
A mobile platform expertise - solid foundation in iOS (Swift/UIKit/SwiftUI) and/or Android (Kotlin/Java/Jetpack Compose) development
Testing mindset - comfortable writing unit, integration, and UI tests; you build quality in from the start
API integration experience - skilled at working with REST APIs, handling async operations, error states, and building resilient network layers
Preferred
Flutter/Dart experience - familiarity with Flutter framework, cross-platform development, or strong willingness to learn (our codebase is Flutter-based)
Fintech experience - background with payment systems, banking APIs (Plaid, Stripe), identity verification (Sentilink, Persona), or financial services infrastructure
Technical leadership - ability to own complex mobile initiatives end-to-end, from architecture design through implementation, testing, and rollout
Mentorship - help level up the team through code reviews, design docs, technical guidance, and establishing mobile best practices
Impact focus - balance technical excellence with pragmatic delivery - you know when to build for scale vs. ship fast and learn
Cross-functional collaboration - partner effectively with backend engineers, product, and designers to deliver seamless end-to-end experiences
Operational excellence - take ownership of the reliability and performance of features you build, monitoring production issues and iterating 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