Kikoff Visa Sponsorship Jobs USA
Kikoff is a fintech startup building credit-building tools for underserved consumers. The company sponsors multiple visa types, including H-1B visa and Green Card pathways, making it a legitimate option for international candidates targeting roles in financial technology and consumer software.
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Get Access To All JobsINTRODUCTION
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:
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.
About Fynn (AI Credit Coach)
Fynn is Kikoff's AI credit coach, and the intelligence layer across our entire ecosystem. Rather than offering generic advice, Fynn analyzes a user's credit report and financial profile to deliver highly personalized answers, surface the next steps that matter most for their goals, and connect them directly to the tools that help them take action, from credit-building to AI-powered debt negotiation, all within Kikoff.
Fynn is already one of the most-used surfaces in the Kikoff app, and early engagement shows real demand for guidance people can actually act on. Debt is the single most common topic users bring to it, and from a single chat a user can launch our voice agent to negotiate with creditors on their behalf. Members who lean on Fynn tend to make faster progress on their credit, and we're still early in what it can become.
We're looking for a Senior Backend Engineer to help take Fynn from a powerful reactive assistant to a proactive coach that anticipates user needs and prevents credit mistakes before they happen. You'll own the backend systems that power personalization, orchestrate LLM and agent workflows, and turn millions of conversations into measurable financial progress at scale, in a regulated environment where accuracy and trust are non-negotiable.
What You'll Be Doing
- 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 the tooling to test prompt 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.
- Enhance observability and reliability, introducing monitoring, alerting, latency management, and fault tolerance into AI-critical systems where a wrong answer carries real consequences.
- Help evolve Fynn from reactive to proactive, building the foundations for anticipatory guidance that reaches users at the right moment.
- Work closely with our product, data science, and operations teams to ship features that directly impact our customers' financial wellbeing while maintaining the highest standards of reliability, compliance, and security.
What We're Looking For
- 5+ years of experience with modern backend frameworks and a track record of building and scaling production systems
- Strong systems design skills; you've architected and shipped distributed systems that handle high throughput and maintain data consistency
- Track record of making infrastructure decisions that balance technical excellence with business pragmatism
- Production experience with background job processing systems (Sidekiq, Resque, or similar)
- Solid understanding of database optimization, caching strategies, and performance tuning
- Comfort building in an environment where correctness, latency, and user trust all matter at once
Ideal Candidate Also Has
- Hands-on experience building LLM-powered products such as RAG, agentic/tool-calling workflows, prompt engineering, or eval frameworks
- Experience working within a client-server architecture, even if only on one side of it (backend services, the client/mobile app, or the API contract between them)
- Experience with AI quality and safety systems: automated evaluation, guardrails, and testing model/prompt changes before release
- Experience with payment systems, financial infrastructure, or regulated environments (ACH, card processing, credit bureau data)
- Background in fintech, payments, or lending infrastructure
- Technical Leadership: Ability to own complex technical initiatives end-to-end, from design through implementation and rollout
- Mentorship: Help level up the team through code reviews, design docs, and technical guidance
- Impact Focus: Balance technical perfection with pragmatic delivery; you know when to build for scale vs. ship fast
- Cross-functional Collaboration: Partner effectively with product, data science, and operations to deliver customer value
- Operational Excellence: Take ownership of the reliability and performance of the systems you build
What Makes This Role Exciting
- You'll build the intelligence layer at the center of Kikoff, the product that increasingly defines how millions of users experience their financial journey.
- Your work directly improves the financial lives of real customers. Not nice-to-haves, but measurable, life-changing outcomes.
- AI is at the core of the company, not a side project. You'll work at the frontier of applied LLM systems in a real, regulated, high-stakes consumer product.
- Greenfield opportunities to architect new systems as Fynn evolves from reactive assistant to proactive coach.
- Small, high-impact team where your contributions are immediately visible.
Base Range
$244,000 - $292,000 USD
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.
INTRODUCTION
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:
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.
About Fynn (AI Credit Coach)
Fynn is Kikoff's AI credit coach, and the intelligence layer across our entire ecosystem. Rather than offering generic advice, Fynn analyzes a user's credit report and financial profile to deliver highly personalized answers, surface the next steps that matter most for their goals, and connect them directly to the tools that help them take action, from credit-building to AI-powered debt negotiation, all within Kikoff.
Fynn is already one of the most-used surfaces in the Kikoff app, and early engagement shows real demand for guidance people can actually act on. Debt is the single most common topic users bring to it, and from a single chat a user can launch our voice agent to negotiate with creditors on their behalf. Members who lean on Fynn tend to make faster progress on their credit, and we're still early in what it can become.
We're looking for a Senior Backend Engineer to help take Fynn from a powerful reactive assistant to a proactive coach that anticipates user needs and prevents credit mistakes before they happen. You'll own the backend systems that power personalization, orchestrate LLM and agent workflows, and turn millions of conversations into measurable financial progress at scale, in a regulated environment where accuracy and trust are non-negotiable.
What You'll Be Doing
- 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 the tooling to test prompt 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.
- Enhance observability and reliability, introducing monitoring, alerting, latency management, and fault tolerance into AI-critical systems where a wrong answer carries real consequences.
- Help evolve Fynn from reactive to proactive, building the foundations for anticipatory guidance that reaches users at the right moment.
- Work closely with our product, data science, and operations teams to ship features that directly impact our customers' financial wellbeing while maintaining the highest standards of reliability, compliance, and security.
What We're Looking For
- 5+ years of experience with modern backend frameworks and a track record of building and scaling production systems
- Strong systems design skills; you've architected and shipped distributed systems that handle high throughput and maintain data consistency
- Track record of making infrastructure decisions that balance technical excellence with business pragmatism
- Production experience with background job processing systems (Sidekiq, Resque, or similar)
- Solid understanding of database optimization, caching strategies, and performance tuning
- Comfort building in an environment where correctness, latency, and user trust all matter at once
Ideal Candidate Also Has
- Hands-on experience building LLM-powered products such as RAG, agentic/tool-calling workflows, prompt engineering, or eval frameworks
- Experience working within a client-server architecture, even if only on one side of it (backend services, the client/mobile app, or the API contract between them)
- Experience with AI quality and safety systems: automated evaluation, guardrails, and testing model/prompt changes before release
- Experience with payment systems, financial infrastructure, or regulated environments (ACH, card processing, credit bureau data)
- Background in fintech, payments, or lending infrastructure
- Technical Leadership: Ability to own complex technical initiatives end-to-end, from design through implementation and rollout
- Mentorship: Help level up the team through code reviews, design docs, and technical guidance
- Impact Focus: Balance technical perfection with pragmatic delivery; you know when to build for scale vs. ship fast
- Cross-functional Collaboration: Partner effectively with product, data science, and operations to deliver customer value
- Operational Excellence: Take ownership of the reliability and performance of the systems you build
What Makes This Role Exciting
- You'll build the intelligence layer at the center of Kikoff, the product that increasingly defines how millions of users experience their financial journey.
- Your work directly improves the financial lives of real customers. Not nice-to-haves, but measurable, life-changing outcomes.
- AI is at the core of the company, not a side project. You'll work at the frontier of applied LLM systems in a real, regulated, high-stakes consumer product.
- Greenfield opportunities to architect new systems as Fynn evolves from reactive assistant to proactive coach.
- Small, high-impact team where your contributions are immediately visible.
Base Range
$244,000 - $292,000 USD
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.
Job Roles at Kikoff
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Get Access To All JobsTips for Finding Kikoff Visa Sponsorship Jobs USA
Target engineering and product roles first
Kikoff's sponsorship activity is concentrated in technical and product functions, which is typical for early-stage fintech companies. Focus your applications on software engineering, data, and product management roles where sponsorship demand is highest.
Understand their credit-building mission before applying
Kikoff's product is built around financial inclusion and credit access for underserved consumers. Candidates who can speak to that mission in interviews, not just technical skills, tend to stand out at mission-driven fintechs like Kikoff.
Know which visa types Kikoff supports
Kikoff sponsors H-1B and Green Card pathways, and also works with F-1 OPT and CPT candidates. If you're on OPT, you may be able to start without waiting for H-1B sponsorship, which is an important foot-in-the-door for early-career applicants.
Use a platform that verifies sponsorship history
Not every fintech startup that claims to sponsor visas follows through consistently. Migrate Mate surfaces verified sponsors so you can filter by real sponsorship history and confirm Kikoff's track record before investing time in the application process.
Apply early relative to the H-1B lottery window
If you're targeting an H-1B through Kikoff, time your job search so an offer can be secured well before the March registration window. Kikoff is a smaller employer, so internal hiring timelines can move quickly or stall unexpectedly.
Highlight experience with consumer financial products
Kikoff operates in a regulated fintech space focused on consumer credit. Relevant experience with lending platforms, credit scoring systems, or compliance-adjacent engineering strengthens your candidacy significantly, particularly for roles that intersect product and regulated financial services.
Frequently Asked Questions
Does Kikoff sponsor H-1B visas?
Yes, Kikoff sponsors H-1B visas. The company has an active sponsorship track record that includes both H-1B petitions and Green Card filings. Sponsorship is most common for technical roles, so candidates in software engineering, data science, and product are best positioned to secure H-1B support from Kikoff.
What visa types does Kikoff sponsor?
Kikoff sponsors H-1B visas, Green Card pathways including EB-2 and EB-3, and also accepts F-1 OPT and CPT candidates. TN visa sponsorship is also supported. This range of visa types makes Kikoff accessible to international candidates at different stages of their U.S. work authorization journey, from recent graduates on OPT to mid-career professionals seeking permanent residence.
Which departments at Kikoff are most likely to offer visa sponsorship?
Sponsorship at Kikoff is most concentrated in engineering and technical product roles, which reflects the typical hiring patterns of consumer fintech startups. Roles in software development, data infrastructure, and product management are where international candidates are most likely to find sponsorship support. Business and operations roles are less commonly sponsored at companies of Kikoff's size and stage.
How do I find open visa-sponsored jobs at Kikoff?
Migrate Mate is the most direct way to find verified visa-sponsored roles at Kikoff. The platform filters jobs by confirmed sponsorship history, so you're not guessing whether a company will actually support your visa. Search for Kikoff specifically or filter by fintech and technology employers that sponsor H-1B and Green Card candidates.
How do I improve my chances of getting sponsored by Kikoff?
Apply for roles that align with Kikoff's core technical needs, particularly in engineering and data. Come prepared to speak to their financial inclusion mission, not just your technical background. If you're on F-1 OPT, that's often the easiest entry point before pursuing H-1B sponsorship. Timing your application ahead of the H-1B registration window in early spring also gives the hiring process room to move at a reasonable pace.