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
The Mountain View base salary range for this full-time position is $228,000-$279,000, plus equity and benefits. Our salary ranges are determined by role, level, and location. This is a hybrid position in Mountain View that requires in-office work 2 days a week.
WHAT YOU'LL DO
- Collaborate with the product and design team to develop innovative user experiences and features.
- Design and implement new APIs with our server engineering team to communicate with the mobile applications
- Develop a scalable mobile architecture that enables the organization to remain agile as it expands.
- Drive decisions on the strategies and methodologies used in mobile app development and testing at EarnIn
- Create Unit and Automation (user interface) Tests to ensure the new code does not break existing features and works as specified by the product requirements.
- Create and monitor analytics to demonstrate the effectiveness of new and existing features in assisting customers.
- Drive cross-platform ownership of feature development, ensuring fungibility across teams to maintain a consistent user experience.
- Lead prototype-first and spec-driven development initiatives, partnering closely with PMs and EMs to define technical specifications and build early-stage prototypes.
- Bachelor’s (or higher, e.g., MS, or PhD) in Computer Science or a related technical field involving coding or equivalent technical experience
- 4+ years of industry experience with deep ownership and expertise in building, shipping, and maintaining Android applications at scale
- Fluency in Kotlin, with a strong grasp of reactive & functional paradigms (Coroutines/Flow, RxJava)
- Proven experience with modern Android app architectures (MVVM, MVI, MVP, Clean Architecture) and Jetpack components
- Deep understanding of Android UI frameworks, including XML layouts and Jetpack Compose
- Hands-on knowledge of software engineering best practices across the full SDLC: coding standards, code reviews, Git workflows, CI/CD pipelines, automated testing, and mobile release operations
- Familiarity with identity verification, authentication, and authorization protocols
- Deep expertise in Android development, with a strong commitment to cross-platform ownership and familiarity with other frontend platforms (e.g., iOS, web or Kotlin Multi-Platform) to facilitate seamless feature parity and fungibility.
- Experience in AI-integrated mobile development, including leveraging AI tools for spec-driven development and prototyping.
- Strong ability to collaborate with Product Managers and Engineering Managers early in the development lifecycle to define technical specifications and build functional prototypes.
- Experience using AI-assisted development tools (e.g., GitHub Copilot, Cursor, ChatGPT, or similar tools) as part of your software development workflow
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.
Skills Required
- Bachelor's degree in Computer Science or related field (or equivalent experience)
- 4+ years industry experience building, shipping, and maintaining Android applications at scale
- Fluency in Kotlin
- Experience with Coroutines and Flow or RxJava (reactive paradigms)
- Proven experience with modern Android architectures (MVVM, MVI, MVP, Clean Architecture) and Jetpack components
- Deep understanding of Android UI frameworks, including XML layouts and Jetpack Compose
- Hands-on knowledge of SDLC best practices: coding standards, code reviews, Git workflows, CI/CD, automated testing, and mobile release operations
- Familiarity with identity verification, authentication, and authorization protocols
- Familiarity with other frontend platforms (iOS, web) or Kotlin Multi-Platform for cross-platform parity
- Experience in AI-integrated mobile development and using AI-assisted development tools (e.g., GitHub Copilot, Cursor, ChatGPT)
- Strong collaboration with Product Managers and Engineering Managers for spec-driven development and prototyping
- Willingness to work hybrid from Mountain View office (in-office 2 days/week)
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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