Senior Software Engineer

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

At EarnIn, working with AI is expected, not optional. This is a backend engineering role, not an AI engineering role, but we expect you to use AI-assisted development and agentic workflows (Cursor, Claude, and similar tools) every day to design, build, test, and operate our systems, so you can move much faster and deliver a lot more, while holding a high bar for correctness, review, and safety on systems that move our members' money. You'll work across the stack when the member experience calls for it, partner closely with product, design, and data, and take full ownership of what you ship from idea through production.

WHAT YOU'LL DO

• Drive the end-to-end design and implementation of new Cash Out features. Break down complex problems to their essentials, translate that complexity into elegant design, and write high-quality, maintainable, well-tested code.
• Design and build highly reliable Cash Out transaction flows on top of EarnIn's payments and repayment platforms, which move money over debit card networks, ACH, FedNow, and RTP, with idempotent requests, safe handling of payment failures and returns, reconciliation of Cash Out state against platform outcomes, and auditability built in.
• Use AI-assisted development tools and agentic workflows as your default way of working, from design and coding to testing, code review, debugging, and incident response, to deliver significantly more, faster, while staying accountable for the quality and safety of everything that ships.
• Work across the stack when the member outcome calls for it, carrying changes from backend services through APIs and into the client experience, in partnership with design, instead of waiting on handoffs.
• Design and deliver robust REST/gRPC APIs for our client applications and services, and event-driven integrations (e.g., Kafka, SNS/SQS) between backend services with idempotent consumers and well-defined contracts.
• Own the health of the services you build: participate in the team's on-call rotation, respond to alerts and incidents, and drive them through resolution and blameless postmortems.
• Improve reliability and observability by building monitoring, alerting, dashboards, and runbooks that help us detect and resolve issues before a member's Cash Out is delayed or fails.
• Bring a customer-first product mindset: partner with product, design, data science, and analytics to shape what we build, size opportunities, and read out experiments.
• Mentor other engineers through code, design, and architecture reviews, and share the AI workflows that work.
• Make a meaningful impact on the lives of our community members.

• 4+ years of software engineering experience, with most of it spent building and operating backend services.
• A computer science or related degree, or equivalent practical experience. We care about what you've built, not where you studied.
• Proven, hands-on experience using Cursor and Claude (e.g., Claude Code, Claude in Cursor) in your day-to-day engineering work. You'll be asked to share specific stories about how AI and agentic workflows helped you ship more, faster, including a time you caught and corrected AI output that was wrong, and how you decide when to trust AI output and when to verify it.
• A track record of using AI to deliver backend and, when needed, full-stack work end to end, not just to generate snippets.
• Strong product sense and a customer-first mindset. You can point to the member or customer outcomes you moved and how you measured them, through opportunity sizing, experiments, or metrics, not just the features you shipped.
• An excellent sense of ownership, including supporting live production services through on-call, incidents, and follow-through.
• Proficient in at least one modern programming language, such as Kotlin, Java, C#, Go, Python, or TypeScript, and able to work in more than one.
• Hands-on experience with SQL and NoSQL databases (e.g., PostgreSQL, MySQL, DynamoDB) and streaming and messaging technologies (e.g., Kafka, AWS SNS/SQS).
• Experience working in microservice architectures, with continuous integration and delivery tools, and with developing and executing functional and integration tests.
• Excellent written and verbal communication skills.
• A bias toward action and results, and comfort moving quickly and adapting as priorities change.
• Experience with payments, ledgers, or money movement systems, where correctness and auditability matter, is a plus
• Experience building web or mobile client experiences (e.g., TypeScript, React, or native mobile) is a plus. 
• Experience with Kubernetes, AWS, and monitoring and observability tools such as Datadog is a plus. 
• Experience helping a team adopt agentic workflows using AI that improved both output and quality is a plus. 
• Experience in fintech or other regulated, security-sensitive environments is a plus. 

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.