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 YOU'LL DO
- Drive the design & implementation of new features - break down complex problems into their bare essentials, translate this complexity into elegant design, and create high-quality, maintainable code.
- Make a meaningful impact in the lives of our community members.
- Design & deliver robust microservice integrations via REST/gRPC APIs using various communication, consistency, and coordination strategies.
- Collaborate and mentor other senior engineers while providing thoughtful guidance using code, design, and architecture reviews.
- Contribute to defining technical direction, planning the roadmap, escalating issues, and synthesizing feedback to ensure team success.
- Estimate and manage team project timelines and risks.
- Use AI tools to work effectively across our stack and accelerate design, implementation, and debugging.
- Care passionately about producing high-quality designs and code.
- Participate in hiring and onboarding for new team members.
- Lead cross-team engineering initiatives.
- Bachelor's, Master's, or PhD degree in computer science, computer engineering, or a related technical discipline, or equivalent industry experience.
- 7+ years of delivering value through software in a collaborative environment.
- Expertise in trade-off analysis for distributed architectures.
- Proficient in at least one modern programming language and the ability to understand more than one - we currently work in C# and Kotlin.
- Familiarity with the clean architecture approach.
- Experience with various data storage, including relational and document databases.
- Comfortable and experienced with AI-native development workflows and tools (e.g., GitHub Copilot, Cursor, ChatGPT, or similar) as part of your day-to-day engineering practice.
- Ability to work across the stack (e.g., backend, mobile, web) is a plus.
- Excellent written and verbal communication skills.
- Ability to thrive in a fast-paced, dynamic, result-driven environment.
- Being self-motivated and able to work independently with minimal supervision.
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
- Bachelor's, Master's, or PhD in computer science, computer engineering, or related technical discipline, or equivalent industry experience
- 7+ years of delivering value through software in a collaborative environment
- Expertise in trade-off analysis for distributed architectures
- Proficient in at least one modern programming language (C# or Kotlin experience preferred)
- Experience designing and delivering microservice integrations via REST and gRPC APIs
- Experience with various data storage systems, including relational and document databases
- Familiarity with the clean architecture approach
- Comfortable and experienced with AI-native development workflows and tools (e.g., GitHub Copilot, Cursor, ChatGPT)
- Ability to work across the stack (backend, mobile, web)
- Excellent written and verbal communication skills
- Experience mentoring other engineers and leading cross-team engineering initiatives
- Ability to thrive in a fast-paced, dynamic, result-driven environment and work independently with minimal supervision
- Hybrid work arrangement requiring in-person presence at Mountain View HQ two days per week
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.
