Senior Backend Engineer - Grant Underwriting and Payment
Senior Backend Engineer, Grant Underwriting and Payment
About Grant
Grant is revolutionizing financial access through our intelligent cash advance product. We're solving 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're 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 - a critical differentiator in our market
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:
Payment Infrastructure: Own and scale our multi-rail payment systems (ACH, RTP, card networks) to handle transaction volume while maintaining 99.99% reliability
Distributed Systems: Design and build scalable backend services that can handle millions of transactions with low latency and high throughput
Background Processing: Optimize our Sidekiq job infrastructure to efficiently process complex workflows for underwriting, collections, and payment distribution
System Architecture: Lead architectural decisions for our core financial systems, balancing speed, reliability, and cost as we scale
Data Pipeline Engineering: Build robust data pipelines that power our ML models and real-time decision engines
You'll work closely with our product and data science teams to ship features that directly impact our customers' financial wellbeing while maintaining the highest standards of reliability and security.
Required Experience:
5+ years of experience with modern backend frameworks and a track record of building and scaling production systems
Strong systems design skills - you've 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
Ideal Candidate Also Has:
Experience with payment systems, financial infrastructure, or regulated environments (ACH, card processing, real-time payments)
Track record of making infrastructure decisions that balance technical excellence with business pragmatism
Experience working with ML/data science teams to productionize models and algorithms
Background in fintech, payments, or lending infrastructure
Strong system observability mindset (metrics, logging, tracing, monitoring)
Technical Leadership: Ability to own complex technical initiatives end-to-end, from design through implementation and rollout
Mentorship: Help level up the team through code reviews, design docs, and technical guidance
Impact Focus: Balance technical perfection with pragmatic delivery - you know when to build for scale vs. ship fast
Cross-functional Collaboration: Partner effectively with product, data science, and operations to deliver customer value
Operational Excellence: Take ownership of the reliability and performance of the systems you build
What Makes This Role Exciting:
Work on real-time payment systems at the cutting edge of fintech infrastructure
Your work directly improves the financial lives of real customers
Greenfield opportunities to architect new systems alongside legacy modernization challenges
Small, high-impact team where your contributions are immediately visible
Solve interesting technical problems at the intersection of payments, ML, and distributed systems
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're 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
🏝️ 20 days of paid time off per year — we encourage taking real time away to recharge and do your best work
💵 401(k) plan with a generous employer match to help you invest in your future
💰 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 considers 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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