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Meet the Team

Hello! Meet our growing team of world-class engineers, designers, marketers, and all-around problem solvers. We come from a diverse range of backgrounds and unique financial journeys – but we share a common passion of helping improve financial access for everyone.
Hi, I am Cynthia, co-founder of Kikoff. 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.

I live in the Bay Area with my family. In my spare time, I enjoy playing with my two boys. The causes I care about and support include environment, education and protection against domestic violence.
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!