The system is broken.
Help us build a better way.
We’re on a mission to make building credit easier – so everyone can achieve their financial goals.
About us
Kikoff was founded in 2019 with a not-so-simple goal: make it easier for people to build credit. Credit plays a huge role in our lives, from opening a credit card to qualifying for a home loan. But there’s a catch, it’s easier to build credit, when you already have it.
Co-founders Cynthia Chen and Christophe Chong understood this challenge first hand, so they built a solution. Kikoff’s main product is our Credit Account, a specialized, reported credit line exclusively focused on building credit. We’ve expanded the features of our paid account to include things like spam call blocking, identity protection, rent reporting, and more. Over a million people have used Kikoff to build their credit.
We are based out of San Francisco, CA and Reno NV, and we’re growing rapidly.
How we work
Act With Urgency
Speed Matters.
Taking the initiative and making calculated risks makes our product better, faster.
Build in Public
Great things aren’t built in a silo. Constant feedback from our customers and peers helps us build the best possible products and level up our skills.
Work Playfully,
Goal Seriously
The best products start as ideas that others find impossible. We let inspiration strike from anywhere, and create solid plans to make it a reality.
Extreme Ownership
Our work has a real impact on people’s daily lives.
We act on behalf of the entire company, not just our team. Avoiding responsibility isn’t an option, and we hold ourselves and each other to the highest standard.
Why work at Kikoff?
Help people reach their credit goals
Credit impacts everything from opening a credit card to getting a home loan. It’s a huge part of getting what you need. We’ve helped over 1 million customers build their credit and kick start their financial health journey.
We’re growing rapidly
Kikoff is the fastest consumer fintech company to reach $100 million in annual revenue, and we’re not stopping there. We’re also planning on growing our headcount from 90 to 150 in 2024. It’s an exciting time, so join us and see how you can help us accomplish our mission!
Join a talented team
Our team is made up of people from the best Silicon Valley companies. We've harnessed this power to learn the
ins-and-outs of credit building so we can improve financial access for everyone. You'll learn from the best.
Building equal opportunity for everyone
You can’t create a more inclusive financial system without an inclusive team. We believe that everyone deserves to be treated equally and we’re proud to be an equal opportunity workplace.*
Invested in By the Best
A word from our team
“I immigrated to the U.S. as a “credit invisible” consumer. I had no credit history, and no affluent family to back me up. I knew there had to be an easier, more affordable way to fix credit issues. That experience inspired me to create Kikoff.”
“It's truly a privilege to work alongside exceptionally talented coworkers at Kikoff, who provide so much valuable mentorship and a supportive environment for growth and learning as a software engineer. Kikoff is the kind of place where you can learn something from everyone — the dynamic office environment and the opportunities to work on fun, impactful projects make it a super rewarding experience to be a part of.”
“The work I do at Kikoff directly betters the financial health of millions of Americans. And I get to do it alongside a very talented group, while our footprint is only growing! We move fast to get our consumers access to help they really need. I wake up every morning feeling great about the impact I bring to this world.”
“I joined Kikoff for the mission, team, and learning opportunity, and all three have lived up to my expectations. It's been especially exciting to work on a new product, Keenly, which we launched quickly and have been improving rapidly. We've been able to move fast while also drawing on the resources and expertise of the broader Kikoff org and lessons learned from prior successful launches.”
“Design plays a critical role in Kikoff because we're building the best in class credit building and financial toolkit for underserved customers, and it’s incredibly important to have a customer - first mentality. Everyday feels both challenging and inspiring.”
Life at Kikoff
We’ve got you
People are at the heart of what we do.
We offer competitive benefits and perks,
so employees can bring their best selves to work.
Medical, dental, vision
Choose from a variety of medical, dental, and vision plans so you have the best care for your needs. Employees are covered 100% and dependents are covered 50%.
Meaningful equity
We’re building this together, so all team members have a stake. We follow the standard Silicon Valley 4-year vesting schedule with a 1-year cliff.
401K & matching
Employees can invest in a 401(k) with company matching, allowing them to plan for their future with foresight and financial security.
Flexible schedule
We trust you to get your work done and take care of life when you need to.
Commuter reimbursement
Magic things happen inside our offices. We reimburse commuter expenses up to $400 per month in San Francisco and provide team members with a free parking pass in Reno.
Team building and social events
Whether we’re setting up cooking classes, lunch and learns, or team offsites, there are tons opportunities for people to get to know each other.
Office perks
We provide a variety of lunch and dinner options for employees, in addition to snacks and drinks. Don’t be surprised if you get pulled into a ping pong match, foosball showdown, or an impromptu piano session.
Hybrid Friendly
Where office collaboration meets home flexibility.
San Francisco, CA
We’re headquartered in San Francisco’s financial district, with the ballpark, waterfront, public transportation, and much more just a short walk away.
Reno, NV
Home to our operations and customer service team, our Reno office serves customers all over the U.S.
Press
Check out what others are saying.
