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Kikoff

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Kikoff is a fintech startup that offers credit-building products designed to help consumers establish and improve their credit scores. It provides tools such as a credit account and credit-building loans aimed at users with limited or poor credit history.

2 interview notes · updated Jul 2026

Kikoff·Software Engineer·Technical Phone Screen

Jul 2026
Kikoff software engineer screen, one coding question the whole time. Pretty focused on file parsing and output formatting, nothing algorithmic, more about whether you can write clean practical code.
  • Given a CSV file with transaction records (Merchant, Amount, Date, Status), write a script that parses the file and prints each transaction as a formatted two-line block with specific spacing, dollar formatting, and delimiter lines. Row order must be preserved and fields should be trimmed before formatting.

“More annoying than hard, tbh.”

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Kikoff·Software Engineer·Onsite - System Design / Architecture

Apr 2026
Kikoff system design round for a software engineer role. One meaty question about credit scoring at scale, which is pretty on-brand given what Kikoff actually does.
  • Design a system that pulls data from credit bureaus and generates credit scores for 300 million users.

“The scale number threw me a bit.”

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