Kikoff logo
Fintech/Payments

Kikoff

Building credit scores made easy

San Francisco· 39 rolesPhoenix· 4 rolesSan Francisco OR Phoenix· 1 role

CORE INFO

$42.5M
Total Funding
Series B
Round
2019
Founded
239
Team Size
San Francisco, California, United States
Headquarters

Kikoff is a financial technology company that provides subscription-based credit-building plans to help individuals improve their credit scores. Their services are designed for people looking to establish a solid credit history through accessible and affordable financial tools.

  • Kikoff has successfully attracted over 2 million customers, showcasing its effectiveness in helping users enhance their credit scores.linkedin.com
  • In June 2021, Kikoff raised $30 million in a Series B funding round led by Portage Ventures, with participation from Lightspeed, GGV, Coatue, and Core Innovation Capital.techcrunch.com
  • Forbes Advisor provided an in-depth analysis of Kikoff's credit-building products, highlighting their features, benefits, and potential drawbacks.forbes.com

WHY WE WOULD WORK AT KIKOFF

Empower Financial Security

Join a mission-driven team dedicated to helping individuals build credit scores and achieve financial stability through accessible products.

Diverse Team Culture

Work alongside a diverse group of 239 passionate professionals committed to financial inclusion and innovation in fintech.

Rapid Growth Opportunity

Be part of a fast-growing company valued at $1 billion, with over 2 million customers benefiting from Kikoff's credit-building solutions.

Affordable Solutions

Contribute to creating subscription-based plans starting at just $5/month, making credit-building accessible to everyone.

Innovative Technology

Utilize cutting-edge tools like AI-powered debt negotiation and rent reporting to enhance user experiences and improve credit profiles.

Proven Impact

Join a company where users have seen an average credit score increase of 86 points within a year, showcasing the effectiveness of Kikoff's services.

MARKET AND TRACTION

GROWTH TACTICS

  • Kikoff has successfully attracted over 2 million customers, showcasing its effectiveness in helping users improve their credit scores.

  • The company offers a range of subscription-based credit-building plans tailored to different user needs, enhancing customer acquisition and retention.
  • KEY METRICS

    ✦ KEY METRIC
  • Kikoff has raised a total of $42.5 million in funding, achieving a valuation of $1 billion, marking its status as a 'Unicorn'.

  • Users with starting credit scores under 600 have seen an average increase of 86 points within a year of on-time payments, demonstrating the effectiveness of Kikoff's services.
  • SERVICES

  • Kikoff provides various subscription plans, including Basic, Premium, and Ultimate, each offering different levels of credit-building support and financial tools.

  • Additional services such as debt negotiation and rent reporting further assist users in establishing a solid credit history.
  • COMPETITIVE ADVANTAGE

  • Kikoff emphasizes financial inclusion by providing accessible credit-building tools to individuals from diverse economic backgrounds.

  • The company's AI-powered debt negotiation tool and comprehensive financial education resources set it apart in the fintech market.
  • MARKET POSITION

  • Kikoff operates within the financial technology sector, focusing on credit-building solutions for consumers.

  • The company aims to empower individuals to achieve financial security, positioning itself as a leader in accessible credit improvement services.
  • PRODUCT AND TECH

    Credit-Building Plans

    Kikoff offers subscription-based credit-building plans, including Basic, Premium, and Ultimate options, designed to help users establish and enhance their credit profiles through reported tradelines and financial tools.

    Debt Negotiation Service

    The AI-powered Debt Negotiator assists users in negotiating debt settlements, providing a valuable resource for individuals looking to manage and reduce their debt effectively.

    Rent Reporting Service

    Kikoff's Rent Reporting feature allows users to report their rent payments to credit bureaus, helping them build a positive credit history and improve their credit scores.

    Financial Education Resources

    Kikoff provides a range of financial education tools and resources aimed at enhancing users' financial literacy and wellness, empowering them to make informed financial decisions.

    Identity Theft Protection

    The Ultimate Plan includes $1 million in identity theft insurance and personal data protection, ensuring users have security measures in place to safeguard their financial information.

    COMPANY CULTURE

    Values

  • Empowering financial security for all

  • Promoting financial inclusion

  • Accessibility in credit-building tools

  • Commitment to customer success

  • Innovation in financial technology
  • Operating Principles

  • Customer-centric approach in product development

  • Data-driven decision making

  • Continuous improvement and adaptation

  • Collaboration across teams for better solutions

  • Transparency in communication and operations
  • Benefits

  • Flexible subscription plans to meet diverse needs

  • Access to financial education resources

  • Tools for debt negotiation and rent reporting

  • Identity theft insurance for peace of mind

  • Supportive work environment fostering growth
  • Learning & Growth

  • Opportunities for professional development

  • Regular training sessions on financial literacy

  • Encouragement of innovative ideas from all team members

  • Mentorship programs for new employees

  • Focus on personal and career growth
  • Team Cadence

  • Regular team meetings to align on goals

  • Open forums for feedback and suggestions

  • Agile work processes to adapt quickly

  • Celebrating team successes and milestones

  • Emphasis on work-life balance
  • COMPENSATION SNAPSHOT

    A+
    Comp score vs cohort
    vs. Fintech/Payments · Series B · US
    Based on publicly available compensation ranges from job postings; exact compensation may vary.
    Engineering IC4n = 7
    $244K – $292Kmedian $268K
    Los Angeles / Bay Area
    Engineering IC5n = 4
    $322K – $370Kmedian $346K
    Los Angeles / Bay Area
    G&An = 10
    $169K – $213Kmedian $191K
    Los Angeles / Bay Area
    Marketingn = 6
    $155K – $176Kmedian $166K
    Los Angeles / Bay Area
    Product ICn = 3
    $200K – $260Kmedian $230K
    Los Angeles / Bay Area
    Sales Managementn = 4
    $152K – $185Kmedian $168K
    Los Angeles / Bay Area
    US-only in v1 · only categories with n > 2 shown · in-person / hybrid / remote treated separately where n ≥ 3

    HIRING SIGNAL

    44
    Open roles on their careers page
    Snapshot via live ATS poll
    —
    Net new roles in the last 90 days
    Available once weekly history accrues
    90-Day VelocityV2 · BACKFILL
    Trend builds weekly as historical rows accrue
    By Function
    Breakdown of open roles
    Data · 1
    GTM · 7
    Design · 2
    G&A · 9
    Product · 3
    Support · 1
    Marketing · 7
    Operations · 1
    Engineering · 13
    Top Locations
    Where hiring is concentrated
    Remote-eligible postings counted separately
    San Francisco
    36
    Phoenix
    2
    Phoenix, Arizona
    2
    San Francisco, California
    2
    San Francisco
    1
    San Francisco OR Phoenix
    1
    SourcesGreenhouseLeverAshbyWorkableSmartRecruitersRipplingRecruiteeFallback · Wellfound, YC Work-at-a-Startup, careers-page scrape

    KEY COMPANY ANNOUNCEMENTS

    Filter
    12 announcements · ranked by importance
    Jan 1, 2025INTERVIEWBuilding a Legitimate, Profitable FinTech Unicorn Using AI: Cynthia Chen, Founder of Kikoff (Part 1) - Sramana Mitra - Sramana Mitrasramanamitra.com
    Mar 10, 2026AWARDInc. Names Kikoff Founder Cynthia Chen to Its 2026 Female Founders 500 Listbusinesswire.com
    Jan 12, 2026PRESSMore than 100 new tech unicorns were minted in 2025 — here they are | TechCrunchtechcrunch.com
    Dec 4, 2025FOUNDER PROFILEGiving credit to San Francisco - The Voice of San Franciscothevoicesf.org
    Apr 1, 2026EXEC HIREKikoff Appoints Chief Financial Officer and Chief Legal Officer, Deepening Executive Bench Amid Rapid Growthbusinesswire.com
    Nov 18, 2025PRODUCTKikoff Integrates Optimal Path Interactive Score Planner from Equifaxabout.kikoff.com
    Oct 15, 2025EXEC HIREFinTech Unicorn Kikoff Names Philippe Clavel as Chief Technology Officer, Expanding its Leadership Bench for the AI Erastreetinsider.com
    Jan 1, 2025AWARD2025 Winners - US Fintech Awardsusfintechawards.com
    Dec 31, 2025MILESTONEKikoff Marks 2025 as a Year of Impact, Surpassing 240 Million Credit Points Through AI-Driven Innovationblog.kikoff.com
    Aug 7, 2025PRESSKikoff CEO: We're not gonna IPO until you work harderold.reddit.com
    Oct 1, 2023PRESSAbout Us | Kikoffabout.kikoff.com
    Jul 28, 2025PRESSWhat type of loan is Kikoff?youtube.com