Full-Time

Who We Are

Tomo Credit

Tomo Credit

11-50 employees

Fintech credit card for nontraditional underwriting

No salary listed

San Francisco, CA, USA

In Person

On-site in San Francisco, CA.

Category
Growth & Marketing (2)
,
Required Skills
Video Editing
Data Analysis

Get referred to Tomo Credit

See people who can refer or advise you

Responsibilities
  • Create Engaging Content: Help us build a dynamic social media presence by producing TikToks, Reels, memes, and posts that people can’t stop watching. Credit-building, financial freedom, and your creativity = magic.
  • Spot Trends Early: You’re always ahead of the game when it comes to social trends, viral sounds, and cultural moments. Use that knowledge to keep TomoCredit at the forefront of fintech conversations.
  • Be the Voice: Jump into the comments, DMs, and interactions to create an authentic, fun, and on-brand community. We want people to feel like they’re chatting with a trusted friend who gets them.
  • Work with Influencers: Love following creators You’ll help us find and collaborate with influencers who align with our mission of financial empowerment—especially women and underrepresented communities.
  • Experiment & Innovate: Got a wild idea Pitch it, test it, and bring it to life. We love bold, out-of-the-box thinking.
  • Track & Learn: Measure what’s working (and what’s not) using insights and data—so we can keep leveling up our content strategy.
Desired Qualifications
  • We want someone who lives and breathes social media—whether you’ve grown your own platform or have experience managing content for brands, we care about passion, creativity, and energy.
  • You’re a fintech enthusiast. You understand (or are eager to learn) the world of credit, financial literacy, and the power of building a strong financial future.
  • You’re a trendsetter. You know the perfect time to use “that” sound or meme before anyone else does.
  • You’re creative. You have ideas for days and aren’t afraid to test and refine them.
  • You’re relatable & engaging. You know how to make people laugh, feel inspired, or say, “OMG, that’s so me!”
  • You live online. TikTok, Instagram, YouTube Shorts—these are your natural habitats.
  • You want to grow. Maybe you haven’t worked in fintech before, but you’re eager to learn and build your marketing skills at a fast-growing, mission-driven startup.

Tomo Credit offers credit products for people with little or no credit history, including the TomoCredit Mastercard, a charge card that requires paying the full balance each month and includes an AI-powered financial advisor. It underwrites customers with a proprietary Cash Score that analyzes assets and financial behavior rather than using traditional credit scores. The company earns revenue from merchant interchange fees on card transactions and focuses on newcomers to credit such as students and immigrants. Its goal is financial inclusion by helping users build credit history through responsible payment and budgeting tools.

Company Size

11-50

Company Stage

Debt Financing

Total Funding

$139M

Headquarters

San Francisco, California

Founded

2018

Get referred to Tomo Credit

See people who can refer or advise you

Simplify Jobs

Simplify's Take

What believers are saying

  • Alternative-data underwriting can expand approval rates beyond FICO users.
  • TomoIQ traction across 400,000 members supports cross-sell and retention.
  • Interchange revenue scales with spending frequency across the card base.

What critics are saying

  • Rewards-heavy incumbents can outcompete Tomo on acceptance and value.
  • Bank-linking and identity verification create onboarding friction for target users.
  • Unsecured thin-file lending exposes Tomo to underwriting losses in downturns.

What makes Tomo Credit unique

  • No credit score underwriting targets thin-file students and immigrants.
  • Charge-card structure prevents revolving debt and interest accumulation.
  • TomoIQ extends the product into AI-powered financial guidance.

Help us improve and share your feedback! Did you find this helpful?

Benefits

Health Insurance

Dental Insurance

Vision Insurance

Company Equity

Remote Work Options

Company Social Events

Growth & Insights and Company News

Headcount

6 month growth

0%

1 year growth

11%

2 year growth

5%
TomoCredit
Mar 27th, 2026
TomoCredit gains Real adoption from TomoIQ, powerful AI native financial agent to help everyday Americans navigate money with confidence.

TomoCredit gains Real adoption from TomoIQ, powerful AI native financial agent to help everyday Americans navigate money with confidence. Proven demand and deep behavioral data, AI native personal finance guidance for everyday Americans SAN FRANCISCO, March 27, 2026 /PRNewswire/ - TomoIQ, the AI-powered personal finance platform built for everyday Americans, today announced the launch of its upgraded AI agent - a smarter, AI native, intuitive guide designed to meet people where they are emotionally and financially. TomoCredit has been on a mission to democratize access to credit. Since its inception, the company has been at the forefront of innovation - bringing new products to market and challenging the status quo. Through this work, TomoCredit has built a suite of proprietary products that ultimately powered the creation of TomoIQ, an AI-native financial agent. In less than a year, TomoIQ attracted a fast-growing base of members spanning both free and paid tiers - signaling strong product-market fit and consumer adoption of an AI-native financial agent. The Real Reason People Hire Financial Advisors Conventional wisdom says people hire financial advisors to maximize returns. But behavioral finance research tells a different story: the true driver is emotional security. Money is deeply tied to fear, uncertainty, and life's biggest decisions. Most people aren't asking "How do I beat the S&P 500?" - they're asking "Am I going to be okay?" TomoIQ was built to answer that question. "Financial anxiety is a universal experience, but personalized financial guidance has never been universally accessible," said Kristy Kim, founder of TomoCredit "We built this agent to be the calm, knowledgeable voice in the room that everyday Americans have never had - one that helps you understand your situation, reassures you when you're spiraling, and catches you before you make an expensive mistake." What the Upgraded AI Agent Does Differently The newly upgraded TomoIQ agent goes beyond budgeting tools and account dashboards. It is designed to: * Provide genuine reassurance - answering the "Am I going to be okay?" questions that keep people up at night, with context-aware, personalized responses * Bring clarity to complex situations - from understanding APR on credit cards to navigating a job loss or major life change, TomoIQ breaks down complexity into confident next steps * Prevent costly mistakes - proactively flagging overspending patterns, high-interest debt traps, comparing insurance options and financial decisions that could have long-term consequences Since its launch, TomoIQ, AI native financial assistant, has helped 400,000 members across the country take control of their financial lives with hyper personalization. The upgraded agent is more capable at handling nuanced financial conversations, and early beta users reported feeling more confident about their financial decisions after using the platform. Availability The upgraded TomoIQ AI agent is available now at tomocredit.com About TomoCredit TomoIQ, by TomoCredit is an AI-powered personal finance platform dedicated to helping everyday Americans navigate their financial lives with clarity and confidence. Rooted in the principles of behavioral finance, TomoIQ provides personalized guidance, emotional reassurance, and practical financial protection

TomoCredit
Mar 26th, 2025
TomoCredit Recognized with "Personal Finance Innovation Award" in 9th Annual FinTech Breakthrough Awards Program

TomoCredit recognized with "personal finance innovation award" in 9th annual FinTech Breakthrough awards program.