Systems Architect
Reliable RoboticsSalary not specified
Full Time
Senior (5 to 8 years)
$200,000 – $260,000Compensation
Senior (5 to 8 years)Experience Level
Full TimeJob Type
UnknownVisa
FintechIndustries
Requirements
- 5+ years of experience with modern backend frameworks and a track record of building and scaling production systems
- Strong systems design skills - architected and shipped distributed systems that handle high throughput and maintain data consistency
- Production experience with background job processing systems (Sidekiq, Resque, or similar)
- Solid understanding of database optimization, caching strategies, and performance tuning
Responsibilities
- Own and scale multi-rail payment systems (ACH, RTP, card networks) to handle transaction volume while maintaining 99.99% reliability
- Design and build scalable backend services that can handle millions of transactions with low latency and high throughput
- Optimize Sidekiq job infrastructure to efficiently process complex workflows for underwriting, collections, and payment distribution
- Lead architectural decisions for core financial systems, balancing speed, reliability, and cost as we scale
- Build robust data pipelines that power ML models and real-time decision engines
- Work closely with product and data science teams to ship features that impact customers' financial wellbeing while maintaining reliability and security
Skills
Sidekiq
ACH
RTP
Distributed Systems
Payment Processing
Data Pipelines
Underwriting Engine
Real-Time Payments
Kikoff
Credit building services for individuals
About Kikoff
Kikoff helps individuals, especially those with low or no credit, build a positive payment history and improve their credit scores. Its services are user-friendly and do not require credit checks, making them accessible to a wide range of clients. Kikoff offers tools for credit management, including easy disputing, rent reporting, and credit monitoring reports, along with an optional Autopay feature. The company's goal is to empower users to take control of their credit journey and achieve significant improvements in their credit scores.
San Francisco, CaliforniaHeadquarters
2019Year Founded
$41.3MTotal Funding
SERIES_BCompany Stage
Fintech, Financial ServicesIndustries
51-200Employees
Benefits
Health Insurance
Dental Insurance
Vision Insurance
Stock Options
Unlimited Paid Time Off
Risks
Increased competition from new fintech startups could dilute market share.
Regulatory scrutiny may lead to increased compliance costs for Kikoff.
Economic downturns could decrease consumer spending, impacting revenue.
Differentiation
Kikoff offers credit building without credit checks, making it accessible to many.
The platform provides easy disputing and rent reporting to enhance credit scores.
Kikoff's Autopay feature ensures clients never miss a due date.
Upsides
Kikoff recognized as a top credit builder app in 2024.
AI-driven tools can enhance user experience with personalized strategies.
Partnerships with educational platforms can attract younger demographics.
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