Senior Software Engineer (Mobile) - Grant Growth Team

What You'll Be Doing

• 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 cash advances, cash flow management, income earning opportunities, to account management experiences.
• 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 (Grant, Kikoff, Banking).
• Enhance mobile platform foundations - improving build systems, CI/CD pipelines, code generation tooling, and developer velocity for our growing team.

You'll work closely with product, data science, and operations teams to ship features that directly impact customers' financial wellbeing while maintaining the highest standards of reliability, security, and compliance.

What We're Looking For

• 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.

Ideal Candidate Also Has

• Flutter/Dart experience - familiarity with Flutter framework, cross-platform development, or strong willingness to learn (our codebase is Flutter-based).
• Fintech experience - background with payment systems, banking APIs (Plaid, Stripe), identity verification (Sentilink, Persona), or financial services infrastructure.
• Technical leadership - ability to own complex mobile initiatives end-to-end, from architecture design through implementation, testing, and rollout.
• Mentorship - help level up the team through code reviews, design docs, technical guidance, and establishing mobile best practices.
• Impact focus - balance technical excellence with pragmatic delivery - you know when to build for scale vs. ship fast and learn.
• Cross-functional collaboration - partner effectively with backend engineers, product, and designers to deliver seamless end-to-end experiences.
• Operational excellence - take ownership of the reliability and performance of features you build, monitoring production issues and iterating quickly.

What Makes This Role Exciting

• We're scaling hyperfast! Our mobile products are growing rapidly with significant scope to expand features, infrastructure, and the team.
• Direct user impact - your work immediately improves the financial lives of real customers. Not nice-to-haves, but life-changing products (cash advances, credit building, banking).
• Greenfield opportunities - build new 0-to-1 experiences and features alongside modernization of existing flows. Shape the mobile platform as we grow.
• Small, high-impact team - your contributions are immediately visible. Own features end-to-end and see them impact thousands of users weeklyKikoff: A FinTech Unicorn Powering Financial Progress with AI At Kikoff, our mission is to provide radically affordable financial tools to help consumers achieve financial security. We're a profitable, high growth FinTech unicorn serving millions of people, many of whom are building credit or navigating life paycheck to paycheck. With innovative technology and AI, we simplify credit building, reduce debt, and expand access to financial opportunities to those who need them the most. Founded in 2019, Kikoff is headquartered in San Francisco and backed by top-tier VC investors and NBA star Stephen Curry.

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.

🏥 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

Location: Hybrid, 3 days onsite in San Francisco, CA.

Visa sponsorship available: Kikoff is willing to provide sponsorship for H1-B visas and U.S. green cards for exceptional talent.

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.

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