As one of the first pioneers of earned wage access, our passion at EarnIn is building products that deliver real-time financial flexibility for people 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 excited to bring on world-class talent to help shape the next chapter of our growth journey.
EarnIn is becoming an AI-native company, embedding AI agents into how we build, analyze, and operate across every function. Teams use AI Agents to move from ideas to execution faster. By letting agents handle repetitive tasks, our people can focus on judgment, creativity, and hard problems. We pair this experimentation with the strict review and security guardrails our regulated financial environment requires, always keeping a focus on privacy and the people who rely on our products.
As a company, we are becoming AI-native, and we encourage you to use AI tools throughout much of your interview process. If you use AI during the live interview, just say so; a quick, natural mention of how it helped and why you are using it is all we need. What we're evaluating is your judgment, reasoning, and ability to own and defend your work, not whether AI was involved. Some rounds, particularly those focused on your career history and past experiences, will not allow the use of AI, and we'll let you know of those in advance. When in doubt, ask your recruiter or interviewer directly.
POSITION SUMMARY
We're looking for a highly creative and self-motivated Senior Product Designer to join EarnIn's Growth team. Growth owns the parts of the product that bring members in and bring them back: acquisition, onboarding, referrals, and winbacks. Most problems you'll take on start as a business bet with no spec and no known solution. You'll explore solutions quickly and react to counterintuitive data. AI is a core part of how you'll work. You'll use it to explore more directions, prototype faster, and raise the quality of what we ship, using your judgment to decide what great, innovative UX looks like.
The Mountain View base salary range for this full-time position is $204,957 to $250,503, plus equity and benefits. Our salary ranges are determined by role, level, and location. This hybrid position is in Mountain View and requires 2 days of in-office work per week.
WHAT YOU'LL DO
- Take business hypotheses and explore distinct solutions on your own to support the different growth squads, and iterate based on data
- Bring the team clear recommendations, explain your reasoning, and use feedback to reach a decision
- Design toward a measurable outcome: know the hypothesis, the metric it should move, and the flows members use today
- Ship the fastest credible test of an idea, and drive it through blockers to launch with product, engineering, data, legal, and brand partners, while pushing design quality
- Read experiment results with the team, learn from the tests that lose, and update your understanding of our members to inspire new experiences
- Build working prototypes with AI tools to answer UX questions and compare solutions, and use static screens only where they're enough
- Write your own design playbook with new AI-assisted ways of working, and share what works with the design team
- Keep every experience clear and honest, because our members trust us with their money
WHAT WE'RE LOOKING FOR
- 4+ years of experience designing consumer digital products
- A portfolio that shows how you framed problems, the directions you explored, and the outcome your work moved. Include recent work that shows how you use AI in your process
- Experience on a growth or experimentation team: you've designed test variants, read the results, and iterated after a loss/learning
- Strong product sense and behavioral empathy: you can hypothesize why someone will or won't take an action, even when it is not obvious
- Craft that serves the problem: you care about the details that change whether a design works
- A bias for action with judgment: you'd rather have a valid test live this week than shipping something that doesn’t test the hypothesis, or a super polished design next month
- Comfort with ambiguity, and energy for open problems
- Daily use of AI tools in your design work, such as Claude, Cursor, or v0, and/or a method you built or adopted that made you faster or better
- Working prototypes as a normal part of your output, and curiosity about the technical skills that make you a better designer. No engineering background needed.
- Critical judgment of AI output: you stay accountable for the quality of the result
- Nice to have: front-end coding experience, conversion design for landing pages and onboarding, and experience in fintech or another regulated industry
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
- 4+ years of experience designing consumer digital products
- Portfolio demonstrating problem framing, explored design directions, outcomes, and recent AI use in the design process
- Experience on a growth or experimentation team, including designing test variants, interpreting results, and iterating after losses or learnings
- Strong product sense and behavioral empathy
- Strong design craft focused on measurable product outcomes
- Bias for action, sound judgment, and ability to deliver valid tests quickly
- Comfort with ambiguity and open-ended problems
- Daily use of AI tools such as Claude, Cursor, or v0, or an adopted method that improves design speed or quality
- Experience creating working prototypes as a normal part of design work
- Critical judgment and accountability for AI-generated output quality
- Front-end coding experience
- Conversion design experience for landing pages and onboarding
- Fintech or other regulated-industry experience
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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