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
We seek an experienced, collaborative, and resourceful Senior Backend Engineer to join our team. Our Early Bets initiatives are critical to EarnIn’s success, providing new experiences and products for our users to ensure they are empowered with a more comprehensive ecosystem of solutions. We seek engineers who thrive in uncertainty and excel at defining technical solutions in ambiguous environments and collaborating closely with Product teams to refine requirements. The ideal candidate has experience in fintech or has built 0-to-1 products, demonstrating a strong ability to design and implement scalable architectures that support rapid product evolution. Candidates with backgrounds in early-stage software products engineered for scale or those who have worked in Research & Development for new technologies will fit well in our team.
The base salary range for this full-time position is $207,000 - $253,000 plus equity and benefits. Our salary ranges are determined by role, level, and location. This is a hybrid position in Mountain View (Headquarters) and will require in-office work 2 days a week.
WHAT YOU'LL DO
- Design and implement new features, breaking down complex problems into elegant, scalable, and maintainable solutions.
- Architect and maintain robust microservices integrations, leveraging REST/gRPC APIs and event-driven messaging patterns (events/queues) to build flexible and extensible systems.
- Collaborate with Product teams to define technical solutions in ambiguous environments, ensuring that backend architectures support rapid product iteration and expansion.
- Ensure scalability and performance by developing services designed to handle high-throughput and real-time transaction processing.
- Proactively identify and mitigate risks, ensuring our backend systems remain secure, reliable, and resilient.
- Mentor and guide engineers, providing technical leadership through design reviews, code reviews, and architectural guidance.
- Develop test automation to enable continuous integration and deployment, maintaining high development velocity.
- Debug and troubleshoot production issues, working across multiple stack levels to maintain service stability.
- Work closely with cross-functional teams, including data science, product, analytics, and marketing, to ensure backend services align with business objectives.
WHAT WE'RE LOOKING FOR
- 4+ years of software engineering experience, with a track record of delivering scalable backend solutions.
- Bachelor's, Master’s, or PhD degree in computer science, computer engineering, or a related technical discipline, or equivalent industry experience
- Experience working in microservices architectures, designing and building distributed systems.
- Proficiency in at least one modern backend programming language, with the ability to adapt to multiple technologies (we work with Java, Kotlin, C#, and Python).
- Strong expertise in SQL databases and additional experience in NoSQL systems are a plus.
- Experience in fintech or building 0-to-1 products, focusing on system scalability and flexibility.
- Experience designing architectures that enable rapid iteration, either from early-stage product development or within Research & Development teams.
- Hands-on experience with continuous integration and deployment tools, ensuring seamless and efficient development workflows.
- Experience in functional and integration testing, ensuring backend services maintain high reliability.
- Excellent written and verbal communication skills, with the ability to collaborate effectively across teams.
#LI-Hybrid
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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