Hybrid Senior Software Engineer – Payments

Posted 3 weeks ago

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About the role

  • Design and implement core backend systems for payments processing, reconciliation, and transaction management — scaling to handle hundreds of millions of dollars in volume.
  • Own the payments domain within Kikoff’s core product team, ensuring reliability, scalability, and high-quality user experiences.
  • Integrate with third-party payment providers and internal services, building robust APIs and data pipelines that ensure accuracy and consistency at scale.
  • Experiment and iterate on payment and repayment flows to improve conversion and repayment success rates.
  • Collaborate cross-functionally with product, data, and finance teams to ensure payments are seamless, compliant, and insightful.
  • Contribute across the stack on user-facing experiences tied to core subscription payments and related features — from checkout and repayment flows to account management.
  • Extend payments capabilities beyond Kikoff’s own products to support external transaction data, helping users build a holistic picture of their finances.
  • Enhance observability and reliability, introducing monitoring, alerting, and fault tolerance into payment-critical systems.
  • Support adjacent product areas, contributing to shared systems and features beyond payments as part of a cross-functional engineering team.

Requirements

  • 5+ years of experience building and scaling production systems.
  • Experience with Ruby on Rails is a plus but not required; we value strong fundamentals and the ability to learn quickly.
  • Deep understanding of system design, API development, and integrations, especially with third-party platforms or payment providers.
  • Experience with payment processing systems, ACH, cards, or other financial transaction flows is a major plus.
  • Comfort working across the stack and collaborating closely with mobile and product engineers.
  • Passion for experimentation and optimization, using data and iteration to improve customer outcomes.
  • Strong product sense — you care about building the right thing, not just building it right.
  • A builder’s mindset — thrives in ambiguity, takes initiative, and enjoys owning systems end-to-end.

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
  • Flexible vacation policy to help you recharge
  • Competitive pay based on experience consisting of base + equity + benefits

Job title

Senior Software Engineer – Payments

Job type

Experience level

Senior

Salary

$200,000 - $260,000 per year

Degree requirement

No Education Requirement

Location requirements

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