Software Engineer - Recent Grad

Kikoff; San Francisco (CA); On-site; USD 149,000 - 182,000; Full time

Job summary

Kikoff in San Francisco is seeking new graduate and junior software engineers to join our fast-growing fintech team. Our backend runs on Ruby on Rails with AWS, and our frontend apps use ReactJS on Vercel and Flutter.

This role offers hands-on learning, mentorship from experienced founders, and real impact on millions of users building credit and saving money. We value ownership, clear communication, and craftsmanship.

Qualifications

• B.A./B.S./M.S. or strong CS fundamentals.
• Expertise in Rails, cloud infrastructure, ReactJS, or Flutter.
• 2+ years of industry experience or equivalent.
• Passion for early stage products and startups.
• Desire to form strong professional bonds with coworkers.

Skills

Rails

ReactJS

Flutter

Cloud infrastructure

Ruby on Rails

Education

B.A./B.S./M.S. in CS

Tools

AWS

Vercel

Job description

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.

Calling all new grad and junior software engineers who are looking for fast personal and career growth in consumer fintech. Skip the bureaucracy of a big company and work with a seasoned startup product and engineering team. We balance best practices from our experience in post-IPO companies with the familiar intuition that comes from pre-IPO zero-to-one work.

Our mission is to create fair, effective, and simple financial pathways to help 100M Americans reach their financial goals. Investors include Lightspeed, Coatue and GGV. Founders are serial entrepreneurs who co-founded and served as C-suite executives at 3 FinTech unicorns.

Our backend is written in Ruby on Rails on AWS, using lots of vanilla infrastructure. Our frontend and mobile apps are written in ReactJS on Vercel and Flutter. Strong internships and general open-source experience are necessary, but familiarity with our particular stack is preferred.

Requirements:

• B.A. / B.S. / M.S. or strong self-taught fundamentals in computer science
• Expertise in Rails, cloud infrastructure, ReactJS, or Flutter
• 2+ years of industry experience or equivalent
• Passion for early stage products and startups
• Desire to form strong professional bonds with coworkers

Base Range

$165,000 - $165,000 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.