Senior Software Engineer - Product Platform

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.

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 join our Product Platform team, where you'll build and evolve the foundational systems that power every product we ship. You'll own critical platform services that the entire engineering organization depends on—our identity and KYC infrastructure, furnishing systems, and other core capabilities that need to be rock-solid, scalable, and continuously improving. Your work will directly enable product teams to move faster and serve customers better.

• 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; we value strong fundamentals and the ability to learn quickly.

• A builder’s mindset — thrives in ambiguity, takes initiative, and enjoys owning systems end-to-end.

• You communicate technical complexity clearly and appropriately depending on the audience, listen actively and humbly to feedback, and know that great software is built by teams, not individuals.

• Experience building platform services or shared infrastructure used by multiple teams

• Knowledge of identity verification and KYC processes a plus

• Excellent debugging instincts and the ability to piece together how unusual data states occurred