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Credit Coach Jobs (NOW HIRING)

Ag Credit

Credit Manager

Fostoria, OH · On-site

Lead, mentor, and develop Credit Analysts and other credit team members through coaching, training, and performance management. * Serve as the Association's subject matter expert on credit analysis ...

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How much do credit coach jobs pay per hour?

As of Aug 25, 2026, the average hourly pay for credit coach in the United States is $22.44, according to ZipRecruiter salary data. Most workers in this role earn between $18.03 and $24.52 per hour, depending on experience, location, and employer.

What is a credit coach?

A Credit Coach is a financial professional who helps individuals understand, manage, and improve their credit. They provide personalized advice on topics like building credit, repairing poor credit, managing debt, and understanding credit reports and scores. Credit Coaches also educate clients on best practices for maintaining good credit health and may assist in creating action plans to achieve specific financial goals. Their guidance can be valuable for those looking to qualify for loans, lower interest rates, or simply gain better control over their financial future.

What are some typical challenges credit coaches face when helping clients improve their credit scores?

Credit Coaches often encounter clients who are discouraged or overwhelmed by their financial situation. A common challenge is educating clients about complex credit terms and helping them develop realistic, actionable plans for debt repayment and credit improvement. Coaches must balance empathy with accountability, guiding clients to make sustainable changes while navigating diverse backgrounds and financial histories. Collaboration with other financial professionals may also be necessary to provide comprehensive support.

What are the key skills and qualifications needed to thrive as a credit coach, and why are they important?

To thrive as a Credit Coach, you need a solid understanding of personal finance, credit reporting, and debt management, often backed by experience in financial counseling or related certifications. Familiarity with credit analysis tools, budgeting software, and credit bureau systems is typically required. Strong interpersonal skills, patience, and the ability to communicate complex financial concepts clearly help build trust and motivate clients. These skills are crucial for effectively guiding individuals toward improved credit health and long-term financial stability.

What is the difference between Credit Coach vs Credit Counselor?

AspectCredit CoachCredit Counselor
CertificationsGenerally no specific certifications required, but certifications like NCCO can be beneficialOften required to have certifications such as NCC or AFC
Work EnvironmentPrivate coaching sessions, online or in-person, focusing on financial habitsNon-profit or credit counseling agencies, providing group or individual sessions
Employer & Industry UsageFinancial coaching firms, personal finance companies, or independent consultantsNon-profit credit counseling agencies, government programs

While both Credit Coaches and Credit Counselors help individuals improve their financial health, Credit Coaches typically focus on personalized financial habits and goal setting without necessarily providing debt management plans. Credit Counselors often work within agencies to offer debt repayment strategies and credit education. The roles overlap in client education but differ in scope and setting.

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What job categories do people searching Credit Coach jobs look for?

The top searched job categories for Credit Coach jobs are:

Credit Coach jobs near you
Infographic showing various Credit Coach job openings in the United States as of August 2026, with employment types broken down into 87% Full Time, and 13% Part Time. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $46,678 per year, or $22.4 per hour.

Senior Backend Engineer - Fynn (AI Credit Coach)

Kikoff

San Francisco, CA • On-site

Full-time

Re-posted 3 days ago

Job description

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 Fynn (AI Credit Coach)
Fynn is Kikoff's AI credit coach, and the intelligence layer across our entire ecosystem. Rather than offering generic advice, Fynn analyzes a user's credit report and financial profile to deliver highly personalized answers, surface the next steps that matter most for their goals, and connect them directly to the tools that help them take action, from credit-building to AI-powered debt negotiation, all within Kikoff.
Fynn is already one of the most-used surfaces in the Kikoff app, and early engagement shows real demand for guidance people can actually act on. Debt is the single most common topic users bring to it, and from a single chat a user can launch our voice agent to negotiate with creditors on their behalf. Members who lean on Fynn tend to make faster progress on their credit, and we're still early in what it can become.
We're looking for a Senior Backend Engineer to help take Fynn from a powerful reactive assistant to a proactive coach that anticipates user needs and prevents credit mistakes before they happen. You'll own the backend systems that power personalization, orchestrate LLM and agent workflows, and turn millions of conversations into measurable financial progress at scale, in a regulated environment where accuracy and trust are non-negotiable.
Read more about Fynn's launch and early impact
What You'll Be Doing
  • Design and implement the core backend systems behind Fynn: the conversational AI layer, personalization engine, and the orchestration that connects users to Kikoff's suite of tools and marketplace offerings.
  • Build LLM-powered workflows and agents, integrating model providers, retrieval over user credit and financial data, tool-calling, and the AI Debt Negotiation voice agent into reliable, production-grade pipelines.
  • Own the evaluation and quality infrastructure that lets us ship safely, including automated scorers across accuracy, tone, compliance, and privacy, plus the tooling to test prompt and model changes before they reach users.
  • Turn insight into action at scale, building the systems that detect financial challenges in a user's profile and surface tailored, timely next steps across the user lifecycle.
  • Integrate with internal services and third-party providers such as credit bureau data, financial profiles, and Kikoff's product surfaces, building robust APIs and data pipelines that maintain accuracy and consistency for millions of users.
  • Enhance observability and reliability, introducing monitoring, alerting, latency management, and fault tolerance into AI-critical systems where a wrong answer carries real consequences.
  • Help evolve Fynn from reactive to proactive, building the foundations for anticipatory guidance that reaches users at the right moment.
  • Work closely with our product, data science, and operations teams to ship features that directly impact our customers' financial wellbeing while maintaining the highest standards of reliability, compliance, and security.
What We're Looking For
  • 5+ years of experience with modern backend frameworks and a track record of building and scaling production systems
  • Strong systems design skills; you've architected and shipped distributed systems that handle high throughput and maintain data consistency
  • Track record of making infrastructure decisions that balance technical excellence with business pragmatism
  • Production experience with background job processing systems (Sidekiq, Resque, or similar)
  • Solid understanding of database optimization, caching strategies, and performance tuning
  • Comfort building in an environment where correctness, latency, and user trust all matter at once
Ideal Candidate Also Has
  • Hands-on experience building LLM-powered products such as RAG, agentic/tool-calling workflows, prompt engineering, or eval frameworks
  • Experience working within a client-server architecture, even if only on one side of it (backend services, the client/mobile app, or the API contract between them)
  • Experience with AI quality and safety systems: automated evaluation, guardrails, and testing model/prompt changes before release
  • Experience with payment systems, financial infrastructure, or regulated environments (ACH, card processing, credit bureau data)
  • Background in fintech, payments, or lending infrastructure
  • Technical Leadership: Ability to own complex technical initiatives end-to-end, from design through implementation and rollout
  • Mentorship: Help level up the team through code reviews, design docs, and technical guidance
  • Impact Focus: Balance technical perfection with pragmatic delivery; you know when to build for scale vs. ship fast
  • Cross-functional Collaboration: Partner effectively with product, data science, and operations to deliver customer value
  • Operational Excellence: Take ownership of the reliability and performance of the systems you build
What Makes This Role Exciting
  • You'll build the intelligence layer at the center of Kikoff, the product that increasingly defines how millions of users experience their financial journey.
  • Your work directly improves the financial lives of real customers. Not nice-to-haves, but measurable, life-changing outcomes.
  • AI is at the core of the company, not a side project. You'll work at the frontier of applied LLM systems in a real, regulated, high-stakes consumer product.
  • Greenfield opportunities to architect new systems as Fynn evolves from reactive assistant to proactive coach.
  • Small, high-impact team where your contributions are immediately visible.

Base Range
$244,000-$292,000 USD
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.
Please reference the following for more information.

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