Kikoff, a pioneering consumer credit-building platform, has announced the appointment of Philippe Clavel as its new Chief Technology Officer, marking a strategic expansion of its leadership team as the company accelerates its mission in the AI-driven financial services landscape. Clavel brings a wealth of experience in scaling consumer technology platforms and leading AI innovation. Most recently, he served as CEO of Scenset and held senior technology roles at Roblox, where he played a key role in building and growing high-performance engineering teams. His expertise spans AI-powered systems, including real-time safety tools at Roblox and intelligent customer experiences at Scenset—skills that are directly aligned with Kikoff’s vision of leveraging technology to create equitable financial solutions. “Philippe is an experienced, people-first technology leader and a true innovator in applying artificial intelligence to solve real-world challenges,” said Cynthia Chen, CEO and Co-Founder of Kikoff. “His leadership is exactly what we need as we enter our next phase—scaling our platform, expanding access to powerful financial tools, and building solutions that truly put consumers first.” The appointment comes amid a period of rapid growth for Kikoff. This year, the company launched the AI Debt Negotiator, a tool that has already helped consumers save over $2 million in debt. It also introduced the Kikoff Marketplace, connecting users with subprime credit scores to tailored financial products. To support its ambitious expansion plans, Kikoff has relocated its headquarters to downtown San Francisco, with a projected 250% increase in headcount over the next two years. “I’m honored to join Kikoff at a time when accessible, fair financial tools are more critical than ever,” said Clavel. “The company has already made a meaningful impact by empowering underserved consumers, and I see tremendous potential to deepen that impact through AI and emerging technologies. Having arrived in the U.S. without a credit history, I understand firsthand how difficult it is to break into the financial system. That makes this mission deeply personal.” With Clavel at the helm of technology, Kikoff aims to redefine consumer finance by developing tools that simplify financial management, dramatically reduce costs, and broaden access for millions of people who have been excluded from traditional banking and credit systems. To date, Kikoff has helped over 1 million users boost their credit scores by more than 80 million points. The company continues to grow its product suite to include debt reduction, liquidity access, and long-term financial stability solutions. For more information, visit kikoff.com or download the Kikoff app.