Kikoff
kikoff.com
Actively hiring
Consumer Loans & Pawnshops
Personal Finance Apps & Education
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Overview
News
Technologies
Salaries
Products
People
Growth
Offices
Jobs
Financials
Funding and backers
Total raised
$30M
2 rounds on record
Latest round
$30M
Venture round · May 2021 · 5 yr ago
Team
126
US Form 5500 (plan participants) · Dec 2024
Hiring now
50
+15 posted in 30 days
Backers
4
Abstract, Coatue
The money's age
Long since its last round
64 months since the last round · and hiring
Momentum
27/100
hiring for its size, in the news
Last sign of life
this month
a posting or a news item
The story so fareach stage dated by its source: the company's releases, the press, registers, filings
Apr 21
New executive Kikoff Appoints Chief Financial Officer and Chief Legal Officer, Deepening Executive Bench Amid Rapid Growth · morningstar.com
Apr 7, 2025
Launched Kikoff Launches AI-Powered Debt Negotiator to Tackle America's Debt Crisis · businesswire.com
May 28, 2021
Raised a round Venture round $30M · SEC Form D
Apr 14, 2021
Released an app Kikoff: Build Credit Quickly · App Store
Jul 21, 2020
Took on debt financing $12.5M · SEC Form D
2019
Founded
Tractionpublic signals, read monthly
Web presence
top 0.11%
of 133.2M domains by links, Common Crawl
App Store
4.9 ★
273k ratings
Hacker News stories
1
best: 2 points
Funding rounds
| Round | Date | Amount | Investors | Source |
|---|---|---|---|---|
| Venture round | May 2021 | $30M | — | SEC Form D |
| Debt Financing | Jul 2020 | $12.5M | — | SEC Form D |
Founders and leadersfrom filings, registers and the company's site
Xinyi ChenExecutive Officer, DirectorSEC Form D
Christophe ChongExecutive Officer, DirectorSEC Form D
Backed byfrom the funds' portfolios and accelerator catalogs
Abstract 
Coatue 
Lightspeed Venture Partners 
Notable Capital Investors in similar startupsfunds that back the companies most like this one
Similar startupsby what they do, their industry and backers
Plend is a London lending company founded in 2020 that prices personal loans from open banking data rather than credit scores. Its model is…
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Relief is the #1 app for debt relief. From credit cards to student loans, save money on your debt.
Gauss is the only app that helps you build credit, lower cost of debt, and speed up the payoff process. One app for all-things-credit.
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Build your UK credit score with the Bits credit builder card. Soft check, decision in 60 seconds, reports to all three credit bureaus…
How Kikoff hires
Truth index
A 95/100
Median time to fill
100 days
Ghost roles
0%
Stale roles
0%
Reposted roles
0%
Kikoff scores A on the Alion truth index (A is best, E worst), measured over 13 open roles re-checked against its own hiring board: 0% look like ghost listings, 0% have gone stale and 0% are the same role posted again. Its roles close in a median of 100 days. It measures how much of what this employer publishes turns into a real, finite search - not the employer as a workplace. How the index is computed
Visa sponsorship
- United States · H-1B filings in 12 months: 28 · green card filings: 6
Overview
Kikoff sells credit building products for consumers with thin or damaged credit files. Its low-limit revolving account and credit-builder loan report on-time payments to the bureaus without charging interest. The company markets mainly to younger borrowers trying to qualify for a first card or lease.
News
Kikoff: Interview With Founder And CEO Cynthia Chen About AI-Powered Credit Building And Financial Security
Kikoff is a financial technology company focused on making credit building and financial progress more accessible. Its products include the Kikoff Credit Account, rent and bill reporting, credit monitoring, financial education, and AI-powered tools includ
Read more
Report
Shorebird in Anger: A Production Flutter Code Push Integration
React Native has had code push since 2015. Flutter didn't, because AOT-compiled Dart can't just hot-swap a JS bundle. Shorebird forked the Flutter engine to load Dart patches at runtime. We wired it up, tuned the sharp edges (rollback detection, cold-star
Read more
Report
Kikoff Appoints Chief Financial Officer and Chief Legal Officer, Deepening Executive Bench Amid Rapid Growth
Read more
Report
More than 100 new tech unicorns were minted in 2025 - here they are
Using data from Crunchbase and PitchBook, TechCrunch tracked down the VC-backed startups that became unicorns so far this year.
Read more
Report
Kikoff Helps Raise the Nation's Credit by One Point, Surpassing 240 Million Total Credit Points
Read more
Report
Kikoff and Caribou partner to help credit builders looking for auto refinancing
Late last week, Kikoff, a credit-building platform, and Caribou, an auto refinance platform, announced a strategic partnership to expand financial access and co
Read more
Report
5 Ways To Use AI To Boost Your Credit Score
Artificial intelligence could be a useful tool as you work to build your credit score. Here are 5 ways to use AI when it comes to your credit.
Read more
Report
Show more news
Tech stack
Technologies named in job postings at Kikoff over the last 12 months, by layer, with the share of postings for each.
Technologies in use
68
Postings analysed
40
Stack modernity
88/100AI adopter
Languages
Ruby28%
SQL23%
Python20%
JavaScript13%
Frameworks & libraries
React.js13%
Ruby on Rails8%
PyTorch5%
Sidekiq5%
Databases
Snowflake13%
MySQL3%
Cloud & platforms
AWS15%
Tableau10%
AppsFlyer SDK8%
Kubernetes8%
AI & ML
Claude13%
LLM13%
Midjourney3%
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Full Kikoff tech stack
68 technologies · by team · pay by technology · changes · similar stacks
Salary insights
Compensation ranges based on this company's open jobs
Median
$223k
Typical range
$80k – $392k
Open positions
48
45
Jobs
Junior
17.8%
Middle
6.7%
Senior
48.9%
Staff
17.8%
Architect
8.9%
| Level | Jobs | Median | Typical range |
|---|---|---|---|
| Junior | 8 | $155k | $80k – $223k |
| Middle | 3 | $165k | $125k – $172k |
| Senior | 22 | $273k | $125k – $321k |
| Staff | 8 | $352k | $170k – $392k |
| Architect | 4 | $245k | $220k – $310k |
Highest paying role
Staff Machine Learning Engineer
$392k
Normalized to USD per year
All salaries at Kikoff
By role, level and city, against the market · 48 jobs with pay
People
Xinyi Chen
Executive Officer, Director
Christophe Chong
Executive Officer, Director
Ansaf Kareem
Director
Stephanie Choo
Director
Names and roles come from public filings, company registers and the company's own site. Is this you? Correct or remove · How we handle this data
Growth
Hiring Momentum
66/100
Growing
Open positions
50
14 opened / 8 closed in 30 days
Median time-to-fill
101 days
faster than 13% of the market
ATS activity
Every ~4 hours
Today
Hiring Dynamics
+100%
Hiring Focus
The percentage next to each role is its share of the company's job openings over the last 90 days; the arrow shows the shift versus the previous period.
Sales
15% ▼
Marketing
13% ▲
Finance
10% ▲
Backend
8% ▼
Security
8%
Legal
8% ▼
Actively hiring for Marketing (+3 in 30 days)
Activity Timeline
Added Google Workspace to stack
Oct 2026
Added Jira to stack
Oct 2026
Added MySQL to stack
Oct 2026
Added Threat Modeling to stack
Sep 2026
Added SOC 2 to stack
Sep 2026
Added PCI DSS to stack
Sep 2026
Added GraphQL to stack
Sep 2026
Added Metabase to stack
Sep 2026
Added ETL/ELT to stack
Sep 2026
Added Alteryx to stack
Sep 2026
Added LinkedIn to stack
Sep 2026
Added Midjourney to stack
Sep 2026
Offices
Where the company hires and what each office is for
Cities
4
Hiring now
2
Countries
1
Busiest office
San Francisco
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Headquarters
Builds here
Office with open vacancies
No open vacancies right now Tap a pin for the office
San Francisco
United States
HQ
San Francisco Office
46 open roles 36 posted in 90 days 35% engineering 2% remote 50-200 est. staff $242k Avg Salary
hires for Marketing, Sales, Backend
633 Folsom Street, San Francisco, CA, 94107, US
Phoenix
United States
Sales office
Phoenix
7 open roles 6 posted in 90 days 14% engineering 10-50 est. staff $140k Avg Salary
hires for Sales, Analytics, Management
Texas
United States
Regional office
Texas
Texas Registered Creditor No. 2300074314-224614
Delaware
United States
Regional office
Delaware
Delaware Lender License No. 040325
Jobs
$183k – $223k per year • Equity • Hybrid • Full-Time • 2+ years exp • San Francisco
SQL
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$183k – $223k per year • Equity • Hybrid • Full-Time • 2+ years exp • San Francisco
SQL
Miro
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$235k – $273k per year • In office • Full-Time • 4+ years exp • San Francisco
SQL
A/B Testing
Management
Miro
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$235k – $273k per year • Equity • Hybrid • Full-Time • 5+ years exp • San Francisco
SQL
Miro
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$244k – $292k per year • In office • 4+ years exp • Master's Degree • San Francisco
Machine Learning
Analytics
A/B Testing
Apply
$244k – $292k per year • In office • 5+ years exp • San Francisco
Kotlin
Dart
Swift
Jetpack Compose
UIKit
SwiftUI
MVI
MVVM
Flutter
Clean Architecture
State Management
DevOps
Rest API
CI/CD
Management
Stripe
Apply
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$265k – $306k per year • In office • 8+ years exp • San Francisco
Python
SQL
AI Agents
Apply
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$268k – $321k per year • In office • 6+ years exp • San Francisco
Python
Go
TypeScript
Ruby
AI Agents
LLM
Frontend
GraphQL
DevOps
Rest API
CI/CD
Cybersecurity
PCI DSS
SOC 2
Threat Modeling
Apply
$268k – $321k per year • In office • 6+ years exp • San Francisco
Python
Ruby
Snowflake
AI/ML
AI Agents
LLM
Tokenization
DevOps
Terraform
Pulumi
AWS
Amazon S3
IAM
Cybersecurity
Least Privilege
Apply
$338k – $387k per year • In office • 6+ years exp • San Francisco
Python
Ruby
AI Agents
LLM
DevOps
CI/CD
AWS
Cybersecurity
Okta
SentinelOne
SIEM
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