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.
WHAT WE'RE LOOKING FOR
EarnIn is building the next generation of AI-powered experiences that help millions of people access their pay and improve their financial well-being. We’re looking for a self-driven engineer eager to grow, learn quickly, and expand their impact by building high-quality systems and agent-driven GenAI workflows. This role is for a builder who is ready to move beyond foundational work and take significant ownership. We are looking for someone who takes initiative, deeply values craft, and is eager to push the boundaries of how engineers collaborate with AI agents.
The US base salary range for this full-time position is $181,000 to $222,000, plus equity and benefits. Our salary ranges are determined by role, level, and location. This hybrid position requires in-person work from our Mountain View HQ 2 days a week. We are unable to provide visa sponsorship or immigration support for this position.
WHAT YOU'LL DO
- Build and ship agent-driven chatbot and GenAI workflows that deliver real customer impact.
- Own meaningful features end-to-end, from definition through design, all the way to implementation, evaluation, and impact measurement.
- Work hands-on with modern AI development tools (e.g., Cursor, Codex, Claude-style assistants).
- Collaborate with product, ML, and engineering teams in a fast-moving, ownership-driven culture.
- Continuously explore better ways to design, iterate, and improve how we build with AI.
WHAT WE'RE LOOKING FOR
- 3+ years of experience in software engineering
- A bachelor’s, or equivalent industry experience
- A strong foundation in software engineering and thoughtful system design.
- Experience writing code that is reliable, durable, and easily maintained.
- Experience in proactively identifying problems, learn quickly, and taking the initiative.
- Curiosity and a growth mindset with a focus on and experience stretching beyond what you already know.
- Excitement about GenAI, agents, and the future of AI-assisted software development. Hands-on experience is a plus. ]
- Experience using AI-assisted development tools (e.g., Copilot, Cursor, LLMs) 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.
Skills Required
- 3+ years of experience in software engineering
- Bachelor's degree or equivalent industry experience
- Strong foundation in software engineering and thoughtful system design
- Experience writing reliable, durable, and easily maintained code
- Proactively identify problems, learn quickly, and take initiative
- Curiosity and a growth mindset
- Excitement about GenAI, agents, and AI-assisted software development
- Hands-on experience with GenAI/agent tools (e.g., Cursor, Codex, Claude)
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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