The posting
Kikoff: The Fintech Powering Financial Security at Scale Kikoff is a profitable, pre-IPO fintech company on a mission to empower everyone to achieve financial security. With record revenue growth in 2025 and a unicorn valuation, we've built a suite of products that help millions of people build credit, access liquidity, and save money. We're scaling fast. Join us if you want to build something meaningful and help millions of people move forward financially.
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.
About The Role
Reporting to the VP Corporate Controller, you will own Kikoff's external reporting and technical accounting as we prepare to go public. This is a founding hire: our technical accounting authority from day one, owning the financial statements and building the processes we will run as a public company.
The scope is wider than a typical reporting role. Consumer credit receivables, cash advances, subscription revenue, bank partnerships, and structured financing all sit on our balance sheet, and each raises real accounting questions. You will own all of them except revenue recognition, which belongs to our revenue accounting lead. You will also own the reporting our lenders and bank partner require, and the ESG reporting we will grow into.
You will work closely with the VP Corporate Controller, CFO, external auditors, technical advisors, and internal and outside counsel, and you can build a team as we scale. We want national office–caliber technical judgment paired with an operator's drafting ability, and someone who finds building from scratch energizing.
This role starts as an individual contributor and is based in our San Francisco office three days a week.
What You Will Do:
SEC Reporting and IPO Readiness
- Draft the financial statement sections of our registration statements — financial statements, footnotes, MD&A, and supporting schedules — and run the tie-out process behind the auditors' comfort letter.
- Build and run the quarterly and annual reporting process — 10-Q, 10-K, 8-K, and proxy — including the close-to-file calendar, disclosure checklists, and XBRL tagging. Own the age-of-financial-statements limits that determine when we can go effective.
- Manage the shift from private to public accounting: emerging growth company and smaller reporting company status, the transition period election, unwinding private company alternatives, and standing up the new public company disclosures.
Technical Accounting
- Own technical accounting for everything except revenue recognition — document positions in audit-ready memos on stock compensation and pre-IPO equity valuation (ASC 718), EPS (ASC 260), segments (ASC 280), internal-use software (ASC 350-40), business combinations (ASC 805), debt (ASC 470), leases (ASC 842), related party transactions, and contingencies (ASC 450 and 460).
- Own the credit and financing questions: sale versus secured borrowing on our warehouse and securitization facilities (ASC 860), consolidation and VIE analysis for financing vehicles and bank partner structures (ASC 810), and fair value measurement and fair value option elections (ASC 820 and 825). We want you in these deals before documents are signed.
- Track new accounting standards and SEC rulemaking, flag what matters to leadership, and start implementation early — including ASU 2024-03 (expense disaggregation), ASU 2025-08 (purchased loans), and ASU 2025-06 (internal-use software).
Partner, Lender, and Regulatory Reporting
- Own the recurring reporting our bank partner, warehouse lenders, and securitization investors require: program financial reporting, covenant compliance certificates, financial statement delivery, and reconciling loan tapes and servicer reports to the general ledger.
- Keep a crosswalk between contract definitions — tangible net worth, EBITDA, eligible receivable, delinquency, charge-off — and their GAAP sources, and check every new standard against our covenants before we adopt it.
- Be the accounting bridge to Compliance and Legal: own the financial data behind state licensing filings, size loss contingencies and remediation accruals (ASC 450), and make sure partner and regulatory submissions tie to the general ledger. Compliance owns the consumer programs — fair lending, FCRA, UDAAP, BSA/AML — you own the financial reporting behind them.
- Track California SB 253 and SB 261 and other climate disclosure rules and assess when they apply to us. Support Legal and Investor Relations on voluntary ESG, impact, and SASB disclosures, make sure any metric we publish ties to the audited financials, and build the data trail so it holds up if assurance is ever required.
Disclosure, Controls, and Building the Function
- Set up the disclosure committee, the sub-certification process, and the documentation behind SOX 302 certifications. Partner with the SOX Director on reporting controls, and own the controls this function runs.
- Define our non-GAAP measures and reconciliations and keep them Reg G and Item 10(e) compliant. Work with FP&A and Investor Relations so our operating metrics mean the same thing in the registration statement, earnings releases, and investor materials.
- Manage the external auditors on reporting and technical matters — position papers, quarterly reviews, the annual audit, and the comfort letter.
- Set up how the function runs — tools, templates, and review cadence — and lead the hires that follow as the team grows.
About You:
- 8+ years across Big 4 public accounting and in-house SEC reporting or technical accounting.
- CPA required, with deep knowledge of US GAAP and SEC reporting rules, including Regulation S-X and S-K.
- You have personally drafted 10-Ks and 10-Qs, and ideally an S-1 or been through an IPO.
- Comfortable with pre-IPO equity accounting — options and RSUs (ASC 718), 409A and cheap stock, and EPS on conversion of preferred.
- Strong research and memo-writing skills, and able to defend a position to auditors.
- Comfortable as an individual contributor now, with the judgment to know when to scale the team.
- A clear communicator — you can turn a complex conclusion into a clean memo and explain it to non-accountants.
- Workiva (or similar) and NetSuite experience preferred.
- Experience reporting to counterparties — covenant certificates, borrowing base or servicer reporting, or securitization reporting — and comfort turning contract definitions into GAAP.
- Some exposure to ESG reporting — SB 253 and SB 261, TCFD, or SASB — or the appetite to learn it.
- Lending, consumer credit, banking, or other regulated financial services experience preferred.
Base Range
$167,000—$215,000 USD
A note on applying: We know great candidates sometimes hold back if they don’t meet every qualification listed. If you’re excited about this role and believe you can do the work, we encourage you to apply. We’re looking for capability and trajectory, not a perfect checklist match.
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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