Sr. Backend Engineer

We’re looking for a Senior Backend Engineer to join our core team. If you've built and scaled backend systems in high-trust environments (fintech, health, marketplaces, etc.) and want to do it again - this time with deep ownership, speed, and impact - this is your opportunity.

Millions of people live paycheck to paycheck, and the financial system wasn’t built for them. At Earnifi, we are on a mission to change that. We give people better ways to access, use, and manage their money, on their terms. We’re building a platform that powers modern income flows like early wage access, rent splitting, and more, with an emphasis on flexibility, fairness, and transparency. Earnifi became the #1 paid finance app in the U.S. just weeks after launching. Backed by top VCs and driven by product velocity, we’re assembling a world-class team to rebuild personal finance from the ground up.

What You’ll Do

• Architect, build, and scale the backend systems that power our core products: EWA, rent automation, card issuance, risk assessment, and more.

• Lead the design of secure, event-driven, cloud-native microservices using Java (17+) and Spring Boot.

• Make foundational decisions around domain boundaries, data modeling, orchestration vs choreography, and infrastructure.

• Mentor other engineers and help establish engineering best practices, code quality, and system observability.

• Collaborate with founders, product, and design to influence what we build-not just how.

• Proactively identify and address scalability, reliability, and data consistency challenges before they hit production.
  

What We’re Looking For

• 6-10 years of backend experience building real-world products, preferably in fintech or complex platforms.

• Deep proficiency in Java, Spring Boot, and cloud-native microservices architecture.

• Strong in system design, API design, and distributed systems fundamentals.

• Experience with event-driven systems (Kafka or similar), and understanding of eventual consistency patterns.

• Hands-on with relational (PostgreSQL) and NoSQL (DynamoDB/Redis) databases.

• Proven ability to write secure, production-grade code in high-trust domains.

• Exposure to AWS, infrastructure as code (Terraform), and containerized deployments (Fargate/ECS).

• A product mindset: you think in terms of value, tradeoffs, and customer experience, not just code.
  

Bonus Points for:

• Experience designing systems using Domain-Driven Design (DDD) or CQRS/Event Sourcing.

• Familiarity with risk decision-making systems, KYC integrations, Plaid, or payment rails.

• Built or contributed to a platform that scaled to 1 M+ users or processed high-volume transactions.

• Past startup or founding team experience, comfortable with ambiguity, fast cycles, and lean processes.
  

Why Join Earnifi

• Make a real impact. The work you do will directly shape the financial lives of thousands, and soon, millions of people.

• Own your lane. We hire for trust and autonomy. You’ll have the freedom to move fast, solve real problems, and ship work that matters.
  Build with urgency and care. We're balancing speed with thoughtfulness as we scale a product that’s already gaining serious traction.

• Work with sharp, kind people. You’ll join a high-performing team that values craft, collaboration, and curiosity.

• Grow with us. Earnifi is backed by top investors and is already demonstrating a strong product-market fit, growing by 100% month-over-month.