As one of the first pioneers of earned wage access, our passion at EarnIn is building products that deliver real-time financial flexibility for those with the unique needs of living paycheck to paycheck. Our community members access their earnings as they earn them, with options to spend, save, and grow their money without mandatory fees, interest rates, or credit checks.
We’re fortunate to have an incredibly experienced leadership team, combined with world-class funding partners like A16Z, Matrix Partners, DST, Ribbit Capital, and a very healthy core business with a tremendous runway. We’re growing fast and are excited to continue bringing world-class talent onboard to help shape the next chapter of our growth journey.
POSITION SUMMARY
Machine learning is integral to every financial service we provide. As we embark on a transformative phase, EarnIn is making significant investments to innovate and set new standards in ML applications within fintech. This role will focus on developing groundbreaking solutions through financial risk modeling, generating substantial business and social impact.
The base salary range for this full-time position is $232,200 - $283,800, plus equity and benefits. Our salary ranges are determined by role, level, and location. This is a hybrid position requiring 2 days a week in our Mountain View office
WHAT YOU'LL DO:
- Design, develop, A/B test, and deploy risk models while collaborating with data scientists to drive data-driven decisions.
- Enhance credit and fraud models by incorporating innovative features every quarter and leveraging the latest industry research.
- Monitor feature and model health, and communicate changes in model decisions.
- Explore and integrate advanced technologies, including deep learning and LLMs, in the risk domain.
- Lead by example to foster operational excellence and transformative change.
- Expand responsibilities as new products emerge.
WHAT WE'RE LOOKING FOR
- Bachelor’s/Master’s in Computer Science, Engineering, or equivalent industry experience.
- 4+ years of machine learning experience with strong software engineering skills.
- Experience with Risk modeling for financial use cases is required
- Proficiency in ML techniques (LLMs, deep learning, sequence, and tree-based models); credit/fraud risk and portfolio management knowledge is a plus.
- Advanced Python programming, SQL, and data manipulation skills.
- Experience with ML frameworks (TensorFlow, PyTorch) and cloud platforms (AWS Sagemaker, Databricks, GCP Vertex AI).
- Excellent communication and collaboration abilities.
- A passion for continuous learning and personal growth in a dynamic work environment
At EarnIn, we believe that the best way to build a financial system that works for everyday people is by hiring a team that represents our diverse community. Our team is diverse not only in background and experience but also in perspective. We celebrate our diversity and strive to create a culture of belonging. EarnIn does not unlawfully discriminate based on race, color, religion, sex (including pregnancy, childbirth, breastfeeding, or related medical conditions), gender identity, gender expression, national origin, ancestry, citizenship, age, physical or mental disability, legally protected medical condition, family care status, military or veteran status, marital status, registered domestic partner status, sexual orientation, genetic information, or any other basis protected by local, state, or federal laws. EarnIn is an E-Verify participant.
EarnIn does not accept unsolicited resumes from individual recruiters or third-party recruiting agencies in response to job postings. No fee will be paid to third parties who submit unsolicited candidates directly to our hiring managers or HR team.
Top Skills
What We Do
Earnin’s mission is to build a financial system that works for people. Every year, while Americans wait for their paychecks, more than $1 trillion of their hard-earned money is held up in the pay cycle. As a result, we accumulate over $50 billion in late and overdraft fees and turn to high-interest loans. We seek to eliminate those fees and put money back into workers’ hands.
Our financial system doesn’t work for people. But Earnin does. Earnin is an app that lets people get paid as soon as they leave work, with no fees, interest, or hidden costs. App users can receive their money in their bank account instantly at little or no cost — as we operate on a pay what you choose model. All they need is a bank account and a job that provides direct deposit or uses electronic timesheets.
At Earnin, we’re building the way we think a financial system should work for everyone, not just the people who can afford it. We help people take control of their money and get to a better financial place.
Our goal is not only to provide great products at little or no cost to the people who need them but also to inspire kindness across the financial world and eventually across all industries.
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