Senior Software Engineer (Mobile) Credit Builder Experience

Senior Software Engineer - Credit Builder Experience

At Kikoff were redefining how people build financial confidence helping millions of Americans establish credit access smarter financial products and reach their goals.

As a Senior Mobile Engineer on Kikoffs core credit-building team youll shape the mobile experiences that define how our users build and maintain strong credit. Youll work across the heart of our product crafting intuitive high-performance interfaces that guide users through credit actions subscription flows credit report insights financial monitoring and interactions with our AI-driven smart credit coach. Your work will directly influence how millions of users understand improve and take control of their credit journey.

In this role youll architect and evolve mobile systems that must be highly reliable responsive and adaptive as we scale. Youll design user-centric credit-building workflows collaborate closely with backend engineers to integrate with credit bureaus and financial data providers and help refine the subscription and payment experiences that support our product. Youll also contribute to the user-facing expression of our emerging AI coaching platform working with product design data and backend teams to transform complex credit insights into simple delightful and actionable guidance on mobile.

What Youll Be Doing

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.

What Were Looking For

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 - youve 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.

Ideal Candidate Also Has

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.

Kikoff : A FinTech Unicorn Powering Financial Progress with AI

At Kikoff our mission is to provide radically affordable financial tools to help consumers achieve financial security. Were a profitable high growth FinTech unicorn serving millions of people many of whom are building credit or navigating life paycheck to paycheck. With innovative technology and AI we simplify credit building reduce debt and expand access to financial opportunities to those who need them the most. Founded in 2019 Kikoff is headquartered in San Francisco and backed by top-tier VC investors and NBA star Stephen Curry.

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.

Medical dental and vision coverage - Kikoff covers the full cost of health insurance for the employee!

Meaningful equity in the form of RSUs

Flexible vacation policy to help you recharge

Competitive pay based on experience consisting of base equity benefits

Location : Hybrid 3 days onsite in San Francisco CA.

Visa sponsorship available : Kikoff is willing to provide sponsorship for H1-B visas and U.S. green cards for exceptional talent.

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.

Please reference the following for more information .

Required Experience :

Senior IC

Key Skills

Dhtml,Account Management,Information Technology Sales,ERP,Loans,Import & Export

Employment Type : Full-Time

Department / Functional Area : Engineering

Experience : years

Vacancy : 1

Monthly Salary Salary : 200 - 260