Senior Mobile Engineer – Kikoff Main App

Kikoff; San Francisco (CA); Hybrid; USD 244,000 - 292,000; Full time

Job summary

Kikoff is seeking a Senior Mobile Engineer for the Main App to help scale a core consumer fintech product used by millions. You will own onboarding, payments, and platform improvements, working with cross-functional teams to drive measurable growth in activation, retention, and revenue.

The role emphasizes robust mobile architecture, production ownership, and data-driven decision making, with hybrid work in the San Francisco area and collaboration across product, design, and engineering teams.

Qualifications

• 5+ years of mobile development experience in iOS or Android.
• Proven track record shipping consumer apps at scale.
• Experience with monetization funnels and subscription flows.
• Strong knowledge of MVVM, Clean Architecture, and state management.
• Experience with analytics, funnel analysis, and A/B testing.
• Ability to own CI/CD, releases, and testing.

Responsibilities

• Own and optimize the mobile funnel from store signup onboarding to first credit action.
• Build acquisition plumbing: deep links, attribution, push/in-app messaging, analytics.
• Own subscription and billing UX including plans, upgrades, autopay, history.
• Build resilient payment flows with Stripe/Tabapay: retries, declines, recovery, edge-case handling.
• Evolve Flutter architecture, modularity, and performance/observability for multi-team scale.
• Improve CI/CD, releases, codegen, testing, and the design system/component library to speed experimentation.

Skills

Mobile development

Growth impact

Mobile architecture

Production ownership

Mobile platforms

Data analysis

Testing mindset

API integration

Tools

Stripe/Tabapay

Job description

Senior Mobile Engineer - Kikoff Main App

Kikoff: The Fintech Powering Financial Security at Scale
Kikoff is a profitable, pre-IPO fintech company on a mission to empower everyone to achieve financial security. With record revenue growth in 2025 and a unicorn valuation, we've built a suite of products that help millions of people build credit, access liquidity, and save money.
We're scaling fast. Join us if you want to build something meaningful and help millions of people move forward financially.

Why Kikoff:

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.

We’re looking for a Senior Mobile Engineer to help shape the future of Kikoff’s main credit building app. This product is central to our mission of helping millions of Americans build stronger credit.

This role has three main areas of focus:

• Grow the app. Improve the journey from download to active, paying member, including the app store, onboarding, identity verification, and the first credit action.
• Own payments and monetization. Build subscription, payment, and billing experiences that are fast, reliable, and easy to trust.
• Improve the mobile platform. Evolve the architecture, tooling, and release process for a Flutter app used by millions, helping a growing team ship faster without sacrificing quality.

You’ll work closely with product managers, designers, growth marketers, data scientists, and engineers. Success is not just about shipping features. It is about improving acquisition, retention, and revenue in measurable ways.

What You’ll Be Doing

Growth and acquisition

• Own and optimize the mobile funnel from store signup onboarding/IDV first credit action; run experiments and measure outcomes.
• Build acquisition plumbing: deep links, attribution, push/in-app messaging, and analytics instrumentation.

Payments and monetization

• Own subscription + billing UX (plans, upgrades, payment methods, autopay, history).
• Build resilient payment flows (Stripe/Tabapay): retries, declines, recovery, and edge‑case handling with fintech‑grade security.
• Evolve Flutter architecture, modularity, and performance/observability for multi‑team scale.
• Improve CI/CD, releases, codegen, testing, and the design system/component library to speed experimentation.

What We’re Looking For

• At least 5 years of mobile development experience, with a record of building and scaling production apps on iOS or Android.
• Growth impact: You have owned onboarding, activation, or monetization funnels for a consumer app and can point to metrics you improved.
• Mobile architecture: You understand state management, patterns such as MVVM, MVI, and Clean Architecture, and the realities of maintaining a large codebase.
• Production ownership: You have shipped consumer apps at scale, handled crashes and edge cases, and supported features across many releases.
• Platform expertise: You have a solid foundation in iOS with Swift, UIKit, or SwiftUI, or Android with Kotlin and Jetpack Compose.
• Data fluency: You are comfortable with analytics tools, funnel analysis, and experiment results, and you use evidence to make decisions.
• Testing mindset: Unit, integration, and UI tests are a normal part of how you build.
• API integration: You have experience with REST APIs, asynchronous operations, error states, and reliable network layers.

Base Range

$244,000 - $292,000 USD

Equal Employment Opportunity Statement

Kikoff Inc. is an equal opportunity employer. We are committed to complying with all federal, state, and local laws providing equal employment opportunities and considers qualified applicants without regard to race, color, religion, creed, gender, national origin, age, disability, veteran status, marital status, pregnancy, sex, gender expression or identity, sexual orientation, citizenship, or any other legally protected class.

This is a hybrid position and requires being in the San Francisco, CA office three times a week. Are you willing and able to commute to the San Francisco, CA office or would you be willing to relocate? * Select...