Kikoff

4 weeks ago

Senior Backend Engineer - Fynn (AI Credit Coach)

✓ Verified Job

Canonical indexed version, validated from employer's careers page.

Source: Company careers pageValidated by: Fursa AI

Last checked: 12 hours agoStatus: Live

Job Summary

Design and implement core backend systems for Fynn, Kikoff’s AI credit coach, including the conversational AI layer, personalization engine, and orchestration across Kikoff’s tools. Ship LLM-powered workflows and agents, ensure high accuracy and compliance, and build scalable data pipelines with credit bureau data integration to help millions improve their financial outcomes.

Location: San Francisco

Workplace: Onsite

Employment Type: Full time

Job Function: Software Engineering

Key Responsibilities

•Design and implement the core backend systems behind Fynn: the conversational AI layer, personalization engine, and the orchestration that connects users to Kikoff's suite of tools and marketplace offerings.
•Build LLM-powered workflows and agents, integrating model providers, retrieval over user credit and financial data, tool-calling, and the AI Debt Negotiation voice agent into reliable, production-grade pipelines.
•Own the evaluation and quality infrastructure that lets us ship safely, including automated scorers across accuracy, tone, compliance, and privacy, plus tooling to test prompts and model changes before they reach users.
•Turn insight into action at scale, building the systems that detect financial challenges in a user’s profile and surface tailored, timely next steps across the user lifecycle.
•Integrate with internal services and third-party providers such as credit bureau data, financial profiles, and Kikoff's product surfaces, building robust APIs and data pipelines that maintain accuracy and consistency for millions of users.

Pay and Benefits

Salary: USD 244,000 - 292,000 annually

Key Requirements

•5+ years of experience with modern backend frameworks and a track record of building and scaling production systems.
•Strong systems design skills; architected and shipped distributed systems that handle high throughput and maintain data consistency.
•Production experience with background job processing systems (Sidekiq, Resque, or similar).
•Solid understanding of database optimization, caching strategies, and performance tuning.
•Experience in fintech, payments, or regulated financial infrastructure.

Experience:5+ yearsFintechPayments

Skills:CommunicationProblem-solving

Languages:English

Tech Stack:LLMSidekiqResqueAPIsData pipelinesDatabasesCachingPerformance tuningSQLPostgreSQL

Company Brief

Kikoff

Kikoff provides a credit-building product that helps consumers build credit history and access affordable lines of credit through a mobile-first platform and educational tools to improve financial health.

Industry: Lending

Growth: Early Stage Startup

Headquarters: San Francisco, United States

Founded: 2019

Website

Loading job details...

Preparing the role view and application actions.

Kikoff

4 weeks ago

Senior Backend Engineer - Fynn (AI Credit Coach)

✓ Verified Job

Canonical indexed version, validated from employer's careers page.

Source: Company careers pageValidated by: Fursa AI

Last checked: 12 hours agoStatus: Live

Job Summary

Location: San Francisco

Workplace: Onsite

Employment Type: Full time

Job Function: Software Engineering

Key Responsibilities

•Design and implement the core backend systems behind Fynn: the conversational AI layer, personalization engine, and the orchestration that connects users to Kikoff's suite of tools and marketplace offerings.
•Build LLM-powered workflows and agents, integrating model providers, retrieval over user credit and financial data, tool-calling, and the AI Debt Negotiation voice agent into reliable, production-grade pipelines.
•Own the evaluation and quality infrastructure that lets us ship safely, including automated scorers across accuracy, tone, compliance, and privacy, plus tooling to test prompts and model changes before they reach users.
•Turn insight into action at scale, building the systems that detect financial challenges in a user’s profile and surface tailored, timely next steps across the user lifecycle.
•Integrate with internal services and third-party providers such as credit bureau data, financial profiles, and Kikoff's product surfaces, building robust APIs and data pipelines that maintain accuracy and consistency for millions of users.

Pay and Benefits

Salary: USD 244,000 - 292,000 annually

Key Requirements

•5+ years of experience with modern backend frameworks and a track record of building and scaling production systems.
•Strong systems design skills; architected and shipped distributed systems that handle high throughput and maintain data consistency.
•Production experience with background job processing systems (Sidekiq, Resque, or similar).
•Solid understanding of database optimization, caching strategies, and performance tuning.
•Experience in fintech, payments, or regulated financial infrastructure.

Experience:5+ yearsFintechPayments

Skills:CommunicationProblem-solving

Languages:English

Tech Stack:LLMSidekiqResqueAPIsData pipelinesDatabasesCachingPerformance tuningSQLPostgreSQL

Company Brief

Kikoff

Industry: Lending

Growth: Early Stage Startup

Headquarters: San Francisco, United States

Founded: 2019

Website