Kikoff, a leading player in consumer credit building solutions, today announced the appointment of Philippe Clavel as its Chief Technology Officer. This move marks an important milestone in Kikoff’s mission to expand access to affordable credit and to drive innovation in consumer financial services.

Clavel previously served as the CEO of Scenset and a senior technology leader at Roblox, where he focused on scaling consumer platforms and building high-performing engineering teams. His background in developing AI solutions - from real-time safety systems at Roblox to AI-powered customer experiences at Scenset - positions him to play a key role in advancing Kikoff’s technology strategy and strengthening its AI leadership within the FinTech space.

“Philippe is an experienced, people-first technology leader and trailblazer in developing artificial intelligence to create solutions for real-world problems,” said Cynthia Chen, CEO and Co-Founder of Kikoff. “That’s exactly the innovative leadership we need as we enter our next chapter - continuing to scale our platform, expand access to effective financial tools, and build innovative solutions that put consumers first.”

Clavel’s appointment comes at a time of strong growth for Kikoff. This year, the company launched the AI Debt Negotiator, which has already helped consumers save more than $2 million in debt savings, and introduced the Kikoff Marketplace to connect consumers with subprime credit scores to financial products. To advance its mission, Kikoff moved its headquarters to downtown San Francisco to support a projected 250% increase in headcount over the next two years.

“I’m honored to be joining Kikoff at a time when fair, accessible financial tools are needed more than ever,” Clavel said. “The company has already pioneered ways to return power to consumers, and I see enormous opportunity to use AI and new technologies to expand that impact. Having immigrated to America without a credit history, I know how difficult it can be to gain access to financial services, which makes this work especially meaningful to me.”

Under Clavel’s leadership, Kikoff is positioned to set a new standard in technology-led consumer finance—building tools that simplify finances, radically lower costs, and expand access for millions of consumers.

To learn more about Kikoff and its credit-building solutions, visit: kikoff.com.

About Kikoff

Kikoff was built on the belief that predatory financial services shouldn’t exist. As a consumer-focused personal finance platform, Kikoff is making financial progress accessible, especially for those overlooked by traditional systems. We offer simple, radically affordable tools powered by technology and AI to help people build credit, lower debt, and move toward long-term financial stability. To date, Kikoff has helped over 1 million people increase their credit scores by more than 80 million points. Our growing suite of products also helps users reduce debt, access liquidity, and unlock greater financial opportunity. Learn more at kikoff.com or by downloading the Kikoff app.

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Under Clavel’s leadership, Kikoff is positioned to set a new standard in technology-led consumer finance—building tools that simplify finances, radically lower costs, and expand access for millions of consumers.