Senior Software Engineer - Product Platform
- Salary
- $244,000 - $292,000
- Level
- Senior
Not stated in the posting: work type, visa.
Open. First seen 2 October 2026.
About the role
Kikoff's standard text
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.
Senior Software Engineer - Product Platform
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.
What We’re Looking For
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
Base Range
Kikoff's standard text
$244,000—$292,000 USD
A note on applying: We know great candidates sometimes hold back if they don’t meet every qualification listed. If you’re excited about this role and believe you can do the work, we encourage you to apply. We’re looking for capability and trajectory, not a perfect checklist match.
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.
Kikoff's standard text
Please reference the following for more information.
What this role asks for
Particular to this role
Ruby on Rails
Rare in Kikoff's other 26 open postings.
61% of this description is written for the role. The rest is Kikoff's standard text, folded away below.
Read against Kikoff's other open postings on this site.
The team: Engineering HIRES STEADILY
This role is one of 14 open in Engineering. 2 were posted in the last 30 days and the oldest in February: a team that hires all year rather than one being built.
WHAT THE TEAM WORKS WITH, ACROSS ITS POSTINGS
Ruby (9 of 14), AWS (6 of 14), CI/CD (6 of 14), Python (6 of 14), Golang (4 of 14), React (4 of 14), Ruby on Rails (4 of 14)
OTHER ROLES ON THIS TEAM
- Senior Fullstack Engineer - User Retention & App Ecosystem posted Oct 2
- Senior Security Engineer, Application Security posted Sep 29
- Senior Frontend Engineer posted Sep 11
- Staff Detection & Response Engineer posted Sep 11
- Senior Mobile Engineer – Kikoff Main App posted Sep 9
- Senior Security Engineer, Data Security posted Sep 9
- Staff Machine Learning Engineer posted Sep 5
- Software Engineer - Recent Grad posted Sep 3
- Staff Engineer - Web Applications posted Sep 1
- Staff Infrastructure Engineer posted Aug 13
- Engineering Manager, Infrastructure posted Aug 11
- Senior Machine Learning Engineer posted Feb 27
- Senior Backend Engineer - Growth posted Feb 27
From the team and dates on Kikoff's own job board.
See Software Engineer salaries in San Francisco →
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