Senior Software Engineer - B2B SaaS New Initiatives

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 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.

• 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.

• Deep understanding of system design, API development, and integrations, especially with third-party platforms.