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’re looking for a Staff Backend Engineer to join the Money Platform team at EarnIn. This team consolidates all money-related components into a centralized system supporting multiple products. You'll work cross-functionally with global teams to build secure, scalable services that enable fast, compliant, and reliable financial operations.
This hybrid role is based in our Bengaluru office (2 days/week on-site). EarnIn offers competitive benefits including healthcare, internet/cell reimbursements, L&D stipends, and potential travel to our Mountain View HQ.
WHAT YOU'LL DO
- Design and implement scalable, high-quality backend features and REST APIs
- Drive end-to-end execution of complex initiatives, from design to production
- Maintain and extend test automation to support CI/CD
- Mentor engineers and provide guidance through code and architecture reviews
- Collaborate with cross-functional teams (Product, Design, Data Science, Marketing)
- Debug and resolve production issues across services and infrastructure
- Continuously adopt and evaluate new technologies for business impact
WHAT WE'RE LOOKING FOR
- 7+ years in backend development, with experience in a tech lead role
- Bachelor’s/Master’s/PhD in Computer Science or related field, or equivalent experience
- Proficient in C# or Kotlin or Java
- Strong experience architecting and optimizing complex, data-driven systems
- Proven ability to lead technical strategy, mentor engineers, and drive delivery
- Excellent communication skills across distributed teams
- Fintech/payments domain experience is a plus
- Experience building scalable, cross-functional payment systems is highly valued
#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.
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.
