Senior Backend Engineer - Grant Core

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About Grant

Grant is revolutionizing financial access through our intelligent cash advance product. We solve real customer pain points by providing fast, fair access to earned wages when life happens, without the predatory fees common in the industry. Our business model is profitable while maintaining customer‑first values, and we are experiencing rapid user growth as we scale our impact.

Recent Team Accomplishments

Our engineering team is pushing the boundaries of what's possible in fintech.

Infrastructure

• Advanced Underwriting Engine : Developed sophisticated underwriting ML models that leverage unstructured transaction data to make instant, accurate lending decisions at scale.
• Smart Collection System : Built ML‑powered collection strategies using mathematical models and algorithms.
• Real‑Time Payments (RTP) Integration : Integrated and deployed RTP rail support alongside our existing ACH infrastructure, enabling instant fund disbursement and same‑day collections.

The Role

We're looking for a Senior Backend Engineer to join our Grant Core team and help us scale. You'll be working on the critical systems that power our underwriting decisions, payment processing, and collection strategies.

Key Focus Areas

Required Experience

Ideal Candidate Also Has

What Makes This Role Exciting

Kikoff : 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 are 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 consider 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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