Software Engineer - Recent Grad
- Salary
- $165,000 - $165,000
- Level
- Junior
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:
Kikoff's standard text
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
Kikoff's standard text
$165,000—$165,000 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
57% 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
- Staff Engineer - Web Applications posted Sep 1
- Staff Infrastructure Engineer posted Aug 13
- Engineering Manager, Infrastructure posted Aug 11
- Senior Software Engineer - Product Platform posted Feb 27
- 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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