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Agent guide: [/agents.md](https://www.wearedevelopers.com/agents.md). --- # Senior Backend Engineer - Fynn (AI Credit Coach) - **Company:** Kikoff Inc. - **Location:** San Francisco, CA, United States - **Experience:** Expert - **Salary:** $244,000.0 - $292,000.0 - **Contract:** Permanent contract - **Skills:** Application Programming Interfaces (APIs), Artificial Intelligence, Systems Engineering, Client Server Models, Code Review, Distributed Systems, Payment Systems, Fault Tolerance, Mobile Application Software, Performance Tuning, Large Language Models, Database Optimization, Prompt Engineering, Caching, Backend, Data Pipelines - **Published:** June 29, 2026 - **Apply:** https://www.indeed.com/viewjob?jk=ca3634cc34d3fd92 ## About the Role Do you have experience in Systems engineering?, 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., * 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 * Track record of making infrastructure decisions that balance technical excellence with business pragmatism * Production experience with background job processing systems (Sidekiq, Resque, or similar) * Solid understanding of database optimization, caching strategies, and performance tuning * Comfort building in an environment where correctness, latency, and user trust all matter at once, * Hands-on experience building LLM-powered products such as RAG, agentic/tool-calling workflows, prompt engineering, or eval frameworks * Experience working within a client-server architecture, even if only on one side of it (backend services, the client/mobile app, or the API contract between them) * Experience with AI quality and safety systems: automated evaluation, guardrails, and testing model/prompt changes before release * Experience with payment systems, financial infrastructure, or regulated environments (ACH, card processing, credit bureau data) * Background in fintech, payments, or lending infrastructure * 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 ## Description * Design and implement the core backend systems behind Fynn: the conversational AI layer, personalization engine, and the orchestration that connects users to Kikoff's suite of tools and marketplace offerings. * Build LLM-powered workflows and agents, integrating model providers, retrieval over user credit and financial data, tool-calling, and the AI Debt Negotiation voice agent into reliable, production-grade pipelines. * Own the evaluation and quality infrastructure that lets us ship safely, including automated scorers across accuracy, tone, compliance, and privacy, plus the tooling to test prompt and model changes before they reach users. * Turn insight into action at scale, building the systems that detect financial challenges in a user's profile and surface tailored, timely next steps across the user lifecycle. * Integrate with internal services and third-party providers such as credit bureau data, financial profiles, and Kikoff's product surfaces, building robust APIs and data pipelines that maintain accuracy and consistency for millions of users. * Enhance observability and reliability, introducing monitoring, alerting, latency management, and fault tolerance into AI-critical systems where a wrong answer carries real consequences. * Help evolve Fynn from reactive to proactive, building the foundations for anticipatory guidance that reaches users at the right moment. * Work closely with our product, data science, and operations teams to ship features that directly impact our customers' financial wellbeing while maintaining the highest standards of reliability, compliance, and security. ## Related Videos - [HTTP headers that make your website go faster](https://www.wearedevelopers.com/videos/1676-http-headers-that-make-your-website-go-faster) - [Developing the Backend with Stefan Lingler, CTO at Shpock](https://www.wearedevelopers.com/videos/100360-developing-the-backend-with-stefan-lingler-cto-at-shpock) - [Are Code Reviews Worth It? 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