Hybrid Senior Software Engineer – Mobile, Credit Builder Experience

at Kikoff

• Job title: Senior Software Engineer – Mobile, Credit Builder Experience
• Job type: Full Time
• Experience level: Senior
• Salary: $244,000 - $292,000 per year
• Degree requirement: Bachelor's Degree
• Tech skills: Android, iOS, Java, Kotlin, Swift
• Location requirements: Hybrid, San Francisco, United States

About the role

• Senior Mobile Engineer shaping user experiences for a fintech app with credit-building features at Kikoff. Collaborating with teams to design and implement high-performance mobile systems.

Responsibilities

• 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.

Requirements

• 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 - you've 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.

Benefits

• Medical, dental, and vision coverage - Kikoff covers the full cost of health insurance for the employee!
• Meaningful equity in the form of RSU's
• 20 days of paid time off per year — we encourage taking real time away to recharge and do your best work
• 401(k) plan with a generous employer match to help you invest in your future
• Competitive pay based on experience consisting of base + equity + benefits