Kikoff Tech Stack

Credit-building platform with AI-powered debt negotiation and rent reporting

Software Development San Francisco, CA 51–200 employees Founded 2019 Privately Held

Kikoff operates a fintech platform built on Python, Ruby, TensorFlow, and PyTorch deployed across AWS and GCP, with Snowflake + dbt + Dagster handling data pipelines. The tech mix reveals a dual focus: backend ML (TensorFlow/PyTorch) for credit scoring and debt negotiation, plus rapid mobile iteration (adopting Flutter/Dart/testing frameworks). Engineering-heavy hiring (27 of 72 open roles) paired with active projects on "mobile platform foundations" and "app factory" signals scaling strain on iOS/Android infrastructure — a common pain point at companies growing from millions of users to tens of millions.

Tech Stack 90 technologies

Core StackIterable Braze Customer.io Python Ruby TensorFlow PyTorch AWS Docker Kubernetes Snowflake dbt Dagster SendGrid Twilio AppsFlyer Amplitude Metabase Ashby Miro Figma AWS RDS Chime Venmo PayPal GCP Telnyx LinkedIn Recruiter AWS ECS AWS Fargate+50 more

AdoptingFlutter Selenium Playwright Cypress Dart Appium

What Kikoff Is Building

◆Challenges

Simplify credit building
Scaling mobile app to millions
Reduce debt
Rapid app creation
Scaling production apps
Cost per acquisition
Compliance with asc 606
Security and compliance program
Handling sensitive financial data
Integrating with credit bureaus

▲Active Projects

Mobile platform foundations
0 to 1 product
Top finance app on ios and android
App factory
Robust apis and data pipelines
Identity and kyc infrastructure
Scalable sourcing tools
Experimentation infrastructure
New product revenue accounting
Core credit-building platform

Hiring Activity

Steady70 roles · 30 in 30d

Department

Engineering

Marketing

Product

Sales

Data

Finance

Ops

Seniority

Senior

Mid

Manager

Junior

Intern

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About Kikoff

Kikoff builds a credit-building platform designed to help consumers establish financial history and improve credit scores. The core product is a reported tradeline (Credit Account), supplemented by rent and bill reporting features and an AI-powered debt negotiation tool. Founded in 2019, the company operates profitably with 2 million customers and is headquartered in San Francisco. The product stack spans mobile (iOS and Android) and web, connected to credit bureaus and financial institutions via identity/KYC infrastructure. Kikoff serves individual consumers rather than institutional buyers, with marketing and product teams driving adoption alongside engineering and data science functions.

HeadquartersSan Francisco, CA

Company Size51–200 employees

Founded2019

Hiring MarketsUnited States

Frequently Asked Questions

What tech stack does Kikoff use?

Kikoff uses Python, Ruby, TensorFlow, and PyTorch for backend and ML workloads; AWS and GCP for cloud infrastructure; Snowflake, dbt, and Dagster for data pipelines; and is adopting Flutter and Dart for mobile development.

Where is Kikoff headquartered?

Kikoff is headquartered in San Francisco, California, and currently hiring only in the United States.