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OUR MISSION

To provide refreshingly fair, effective, and simple pathways to meet your financial goals.

about us
Equal opportunity for everyone

Whether you don’t have credit yet or are trying to build it even more, personal finance can be confusing. We’re here to help you stay in control.

As reviewed on
Nerdwallet
Expert team

We know the ins and outs of credit building, having worked at major financial technology companies. And we care deeply about improving financial access for everyone.

MEET OUR TEAM
Backed by Silicon Valley’s best
We’ve earned the trust of Silicon Valley’s most savvy investors—including social impact ones
We’re here for equality in financial opportunity.
Lightspeed
Core Innovation Capitol
Female Founders Fund
COATUE
Foundation Capitol
GGV Capitol
Our team
CO-FOUNDER
Cynthia
Hi, I am Cynthia. I immigrated to the United States when I was 17 and was the first in my family to attend a four-year college, thanks to a scholarship. College education completely changed my life and gave me the opportunity to build a successful 16-year career in consumer finance, during which I learned a lot about how challenging it is for young people to navigate the credit system and how costly it is to not have good credit. Grateful for the opportunities and help I received, I have always aspired to pay it forward and create opportunities for others. So I co-founded Kikoff to help people new to credit build credit for free and reach their full potential financially.
CO-FOUNDER
Christophe
Hi, I’m Christophe, co-founder of Kikoff and Midwesterner. I moved to the Bay thirteen years ago to attend college on scholarship. I’ve since worked in technology and have always wanted to help young Americans’ achieve the American Dream. Now, with Kikoff, I can! My credit score is 795. The first time I applied to a loan, I was rejected because of an erroneous account that was on my credit file. No one should be surprised by what they see on their credit report!

In my free time I enjoy running, climbing, biking, and reading non-fiction. I’ve also brewed a couple of my own beers, and am interested in making some wine!
Alex Dejeu
SOFTWARE ENGINEER
Alexey Zapparov
SOFTWARE ENGINEER
Andrew Brix
HEAD OF PRODUCT
Andy Yin
SOFTWARE ENGINEER
Angel Robles
OPERATIONS
Bianca Austrheim
MARKETING MANAGER
Emily Zhang
CONTENT STRATEGIST
Julie Chang
PRODUCT DESIGNER
Kevin Shi
PRODUCT MANAGER
Maxfield Miller
OPERATIONS
Patrick Glover
HEAD OF MARKETING & OPERATIONS
Patrick Wang
SOFTWARE ENGINEER
Saul Fuhrmann
SOFTWARE ENGINEER
Shirui Zhong
MARKETING INTERN
Wenzheng Chi
SOFTWARE ENGINEER
Xin An
PRODUCT DESIGNER
Join us today
We want to hear from you!
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