Senior Manager, SEC Reporting & Technical Accounting

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.

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.

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.

• 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.

• 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 rule making, 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).

• 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,…