Full-Time

Lifecycle Marketing Manager

Posted on 10/31/2025

Kikoff

Kikoff

201-500 employees

Credit-building fintech with monitoring and reporting

Compensation Overview

$148k - $218k/yr

+ Stock Options

San Francisco, CA, USA

Hybrid

Category
Growth & Marketing (1)
Required Skills
SQL
Requirements
  • 3-5+ years of a proven track record of driving towards growth goals under set targets and timelines in a lifecycle or CRM role.
  • A fast moving, detail oriented and data-driven executor with an ownership mindset.
  • Deep hands-on experience with Iterable, Braze, Customer.io or similar CRM tools.
  • Robust experience working with customer data and user event data to marry together with well designed and targeted campaigns.
  • Ability to define key marketing KPIs and break them down into their underlying drivers to understand and influence performance from first principles.
  • Ability to move fast and flexibly, juggling multiple projects with the trustworthiness to execute on schedule at high-velocity and attention-to-detail.
  • Strategic thinker able to breakdown and organize problems, assess opportunity areas, and develop big ideas and priorities to move the business forward.
  • Understanding of hypothesis driven A/B, MVT and holdout testing with the ability to analyze test result data to tease out learnings and insights to inform future testing.
  • Understanding of what makes effective and strong direct response creative with a framework to keep adjusting and learning based on experimentation.
  • Experience in a fintech business, or a D2C industry is a bonus.
  • SQL proficient to be able to pull your own data and cross-validate results.
Responsibilities
  • Be one of the early members of lifecycle marketing team - we’re a small but growing team with massive scope and impact
  • Build out brand new lifecycle programs for untouched segments and use cases for our user base and growing number of new products and features; helping to define the strategic focus of the team
  • Increase retention of our products and drive higher customer lifetime value
  • Rigorously test and improve our lifecycle campaigns with rapid split testing
  • Improve the segmentation, cadence, timing and touch point mix of our comms
  • Work cross-functionally to bring campaigns to life: working with designers, copywriters, product team, data analysts, and more.

Kikoff is a fintech service focused on credit building. It helps people with low or no credit establish a positive payment history and improve credit scores without requiring hard credit pulls. The product offers tools and resources to understand and manage credit, including dispute assistance, rent reporting, and access to additional tradelines. It also provides credit monitoring reports to highlight problem areas and an optional Autopay feature to prevent missed due dates. Revenue likely comes from service fees, and the company has grown to over a million users with a strong app presence (notably a top rating in the iOS Finance category). Compared with competitors, Kikoff differentiates itself by offering a no hard-pull approach, accessible features for those with limited credit history, and integrated education and management tools. The company’s goal is to help individuals build and grow their credit safely and sustainably through easy-to-use resources and ongoing monitoring.

Company Size

201-500

Company Stage

Series B

Total Funding

$42.5M

Headquarters

San Francisco, California

Founded

2019

Simplify Jobs

Simplify's Take

What believers are saying

  • Revenue doubled to over $300 million in 2025 while maintaining profitability.
  • Appointed CFO John Kaelle and CLO Robert Mahnke in April 2026 to scale operations.
  • AI Debt Negotiator rolled out to 1M+ users, achieving 30% average debt savings.

What critics are saying

  • Equifax and TransUnion's Q1 2026 free rent reporting erodes Kikoff's partnerships.
  • Self Financial's 6M users and $5/month pricing surpass Kikoff's 4M users by April 2026.
  • CFPB fines Kikoff $15M for deceptive fees, risking CA DBO license revocation by December 2026.

What makes Kikoff unique

  • Kikoff's Credit Account builds payment history, utilization, and account age without credit checks.
  • Fynn AI coach boosts sub-580 scores by 72-74 points in two months via personalized advice.
  • Free rent reporting partnership with TheGuarantors adds 24 months past payments to Equifax and TransUnion.

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Benefits

Health Insurance

Dental Insurance

Vision Insurance

Stock Options

Unlimited Paid Time Off

Growth & Insights and Company News

Headcount

6 month growth

0%

1 year growth

0%

2 year growth

0%
Business Wire
Apr 7th, 2026
Kikoff launches Fynn, AI credit coach helping users boost scores by up to 74 points

Kikoff, a fintech company helping Americans build credit, has launched Fynn, an AI-powered credit coach that provides personalised financial guidance. Since its pilot launch in January 2026, Fynn has facilitated over 700,000 messages, with 80% of users reporting improved understanding of their credit. Fynn analyses users' credit reports and financial profiles to deliver tailored advice and connect them directly to solutions. Over 17.5% of conversations focus on debt management, with the platform offering AI-powered debt negotiation that achieves average savings of 30%. An internal study showed new members with credit scores below 580 who used Fynn improved their scores by 72-74 points on average over two months, roughly 7 points more than similar members without access. Kikoff plans to evolve Fynn into a proactive coach that anticipates needs and prevents credit mistakes.

01Net Italy
Mar 17th, 2026
Kikoff and TheGuarantors partner to help renters build credit.

Kikoff and TheGuarantors partner to help renters build credit. 17 Marzo 2026 Partnership provides free rent reporting, including up to two years of past payments, to help renters build credit while securing housing SAN FRANCISCO-(BUSINESS WIRE)-#Credit-Kikoff, a financial technology company focused on helping consumers build credit and achieve financial security, today announced a partnership with TheGuarantors, a certified B Corp and the nation's leading lease guarantee provider, helping expand housing access for renters while mitigating risk for multifamily owners and operators. Through the partnership, Kikoff and TheGuarantors will offer a free credit-building package to all applicants who interact with TheGuarantors' platform - both renters approved for a Lease Guarantee and those who are not yet able to qualify. The package is free for renter applicants, while existing alternatives in the market cost a minimum of $85 retail value. It includes reporting up to 24 months of past rent payments, along with ongoing reporting of future on-time rent payments to Equifax and TransUnion to help renters build and strengthen their credit profiles. Millions of Americans rely on rental housing each year. Roughly 44 million U.S. households rent their homes, representing about one-third of all households nationwide. Many are increasingly relying on guarantor services because their credit profiles do not meet traditional underwriting standards. Rent is typically their largest recurring monthly expense, yet those payments have historically not helped them build credit. This partnership is designed to support renters as they work towards greater financial stability. Opening Doors to Financial Progress TheGuarantors helps renters qualify for homes by replacing the need for a personal guarantor. Through its insurance-backed lease guarantees, the company enables renters who may not meet traditional application criteria to secure housing while providing financial protection to property owners and operators. Kikoff provides accessible credit-building tools designed to lower barriers to long-term financial opportunity. Together, the companies are connecting housing access with credit building, helping renters translate one of their most consistent financial obligations into measurable progress toward stronger credit profiles. Through this partnership, on-time rent payments will be reported to Equifax and TransUnion, with renters able to receive up to two years of past payment history added to their credit record. "Access to housing is fundamental to financial stability," said Cynthia Chen, Founder and CEO of Kikoff. "Many renters who use guarantor services are early in their credit journey or actively rebuilding. By offering free rent reporting, including past payments, we're helping ensure that responsible renters can achieve measurable credit progress and take another step toward lasting financial stability." By combining lease access with credit reporting, Kikoff and TheGuarantors are helping renters build stronger financial foundations, while improving their ability to qualify for housing independently over time. ABOUT KIKOFF Kikoff is a personal finance platform on a mission to make financial security accessible to everyone. Through simple, radically affordable products powered by technology and AI, Kikoff helps people build credit, lower debt, and move toward lasting financial stability. To date, more than four million people have increased their credit scores by over 240 million points. Kikoff's growing suite of products also helps users reduce debt, save money, access liquidity, and unlock greater financial opportunity. Learn more at Kikoff.com or by downloading the Kikoff app. ABOUT THEGUARANTORS TheGuarantors is a fintech leader redefining access for renters and risk mitigation for multifamily owners and operators. Through insurance-backed lease guarantees and AI-driven renter underwriting, the company supports more inclusive housing access while helping operators secure rent roll and minimize bad debt. Trusted by 9 of the top 10 U.S. multifamily operators, TheGuarantors is available in more than 3.5 million units nationwide and protects more than $6 billion in lease value. Learn more at theguarantors.com.

The Associated Press
Mar 17th, 2026
Kikoff partners with TheGuarantors to offer free rent reporting for credit building

Kikoff, a financial technology company focused on credit building, has partnered with TheGuarantors, a lease guarantee provider, to offer free credit-building tools to renters. The package includes reporting up to 24 months of past rent payments and ongoing future payments to Equifax and TransUnion. The service targets renters who use guarantor services to qualify for housing, helping them build credit through their largest monthly expense. Approximately 44 million US households rent their homes, representing one-third of all households nationwide. The partnership combines TheGuarantors' insurance-backed lease guarantees with Kikoff's credit-building platform. The package is free for renters, whilst existing market alternatives cost a minimum of $85. Kikoff has helped over four million users increase their credit scores by more than 240 million points collectively.

Business News Today
Aug 16th, 2025
Why fintech firm Kikoff believes AI can finally solve credit report inaccuracies

Kikoff introduces AI Credit Disputes, a free tool that automates FCRA-compliant dispute letters to help users fix credit errors.

TechCrunch
Jul 6th, 2025
At least 36 new tech unicorns were minted in 2025 so far

With AI igniting an investor frenzy, every month, more startups obtain unicorn status. Using data from Crunchbase and PitchBook, TechCrunch tracked down

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