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 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.

We’re looking for a Senior Backend Engineer (Full Stack Mindset) to join our Core UX Team, which owns the foundational services that drive user-facing experiences across EarnIn’s mobile and web platforms. This role is ideal for someone who thrives at the intersection of product and platform—bringing a backend-first perspective with a strong understanding of user experience needs, and is comfortable operating across service layers, infrastructure, and collaborating with frontend or mobile engineers to ship cohesive features.

You’ll be responsible for designing and evolving Kotlin-based services, improving system reliability (including background workflows and queues), and enabling scalable product experiences that millions of members interact with daily. The base salary range for this full-time position is $186,300- $227,700, plus equity and benefits. Our salary ranges are determined by role, level, and location. This is a remote position. 

WHAT YOU'LL DO

• Design, implement, and evolve Kotlin-based backend services that support key user-facing product features.
  
• Break down complex product and system requirements into clean, scalable service architectures.
  
• Build and maintain asynchronous workflows, including job execution, messaging patterns, and queue-based processing.
  
• Contribute to the design and rollout of robust REST/gRPC APIs and data contracts used across mobile and web clients.
  
• Collaborate closely with mobile, frontend, product, and design teams to ensure consistency and cohesion across platforms.
  
• Own the reliability, observability, and performance of the services you build in production environments.
  
• Write well-tested, maintainable code and participate in continuous integration pipelines and automation frameworks.
  
• Participate in incident response and root cause analysis to help improve system resilience.
  
• Provide technical guidance and mentorship to other engineers through design reviews, pair programming, and architecture discussions.
  
• Contribute to team-wide planning and influence engineering strategy within the Core UX domain.
  
• Actively collaborate across domains, including product, data, finance, and analytics, to align services with real-world business needs.

WHAT WE'RE LOOKING FOR 

• 5+ years of software engineering experience, with a track record of shipping and maintaining backend services.
  
• Strong Kotlin experience required, especially in backend systems.
  
• Proven experience working in microservice-based architectures and event-driven communication models.
  
• Hands-on experience designing and implementing REST/gRPC APIs and messaging workflows.
  
• Solid understanding of SQL databases, schema design, and performance optimization.
  
• Familiarity with distributed systems, including monitoring, alerting, and failure handling.
  
• Experience working with CI/CD pipelines and production deployment practices.
  
• Effective communication and collaboration skills across time zones and teams.
  
• Experience mentoring other engineers and providing technical leadership.

• Exposure to frontend or mobile client integration is a plus.
  
• Proactive interest in working with AI tools and on AI-driven solutions: You’ll have opportunities to use generative AI, automation, and AI-powered analytics to enhance our product and your workflow, driving innovation at EarnIn.
  
• Experience or interest in multiple backend technologies and languages: You’ll have the chance to work with or learn modern languages like Go, C#, and more, expanding your skill set and impact as our services evolve.

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.