Senior Software Engineer at EarnIn

Bengaluru, Karnataka, India

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Not SpecifiedCompensation

Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

FinTechIndustries

Requirements

4+ years of development experience in Software Engineering
Bachelor's, Master’s, or PhD degree in computer science, computer engineering, or a related technical discipline, or equivalent industry experience
Proficient in at least one modern programming language such as C#, Kotlin, Java, Python, Go, and Scala
Hands-on experience working with various databases (DynamoDB, MySQL, ElasticSearch) and data pipeline technologies
Experience with continuous integration and delivery tools
Experienced in developing and executing functional and integration tests
Excellent written and verbal communication skills
Ability to thrive in a fast-paced, dynamic environment and have a bias towards action and results
Experience with Kubernetes, microservices, and event-driven architecture (strong plus)
Experience in payments or fintech (plus)

Responsibilities

Design & implement features robust enough for high scale
Drive the implementation of new features—break complex problems down to their bare essentials, translate that complexity into elegant design, and create high-quality, maintainable code
Create and maintain test automation to enable continuous integration and development velocity
Design & deliver thoughtfully crafted REST APIs to drive the interactions between client applications and backend services
Work cross-functionally with other teams (data science, design, product, marketing, analytics)
Leverage a broad skill set and help implement and learn new technologies quickly
Provide and receive design and implementation evaluations and improve with each iteration
Debug production issues across services infrastructure and multiple levels of the stack
Think about distributed systems & services and care passionately about producing high-quality code

Skills

Key technologies and capabilities for this role

Backend DevelopmentREST APIsTest AutomationContinuous IntegrationScalable SystemsJavaPythonMicroservicesDesign Patterns

Questions & Answers

Common questions about this position

What is the work arrangement for this role?

This is a hybrid role from the Bengaluru office, requiring 2 days a week in the office.

What benefits does EarnIn offer?

EarnIn provides excellent benefits including healthcare, internet/cell phone reimbursement, a learning and development stipend, and potential opportunities to travel to the Mountain View HQ.

What is the salary range for this position?

Salary ranges are determined by role, level, and location, but specific figures are not provided in the job description.

What skills and experience are required for this Senior Software Engineer role?

Candidates need 4+ years of software engineering experience, a degree in computer science or related field (or equivalent), proficiency in languages like C#, Kotlin, Java, Python, Go, or Scala, experience with databases such as DynamoDB, MySQL, ElasticSearch, and data pipelines, plus CI/CD and testing experience.

What makes a strong candidate for this backend engineering role at EarnIn?

Strong candidates are experienced senior-level engineers who are passionate, resourceful, proficient in modern languages and databases, skilled at breaking down complex problems into elegant designs, and able to work cross-functionally while delivering high-quality, scalable code.

EarnIn

Provides early wage access without fees

About EarnIn

Earnin allows individuals to access their earned wages before payday without any fees or interest. Users can cash out a portion of their earnings and benefit from features like the "Balance Shield," which helps maintain their bank account balance. Unlike traditional financial institutions, Earnin operates on a model where users choose how much to pay for the service, fostering a community-driven approach. The company's goal is to create a fairer financial system that prioritizes accessibility and mutual support.

Palo Alto, CaliforniaHeadquarters

2012Year Founded

$184.9MTotal Funding

SERIES_CCompany Stage

FintechIndustries

201-500Employees

Benefits

Life in balance - Ten company holidays and flexible time off so you can rest and recharge when you need it most. With pay, no catch.

Family matters - When your family grows, we want your focus on them. Our generous parental leave policy and wellness funds make it easy to put yourself and loved ones first.

Learn & grow - A commitment to career development that includes regular training for team members and managers alike, 360 feedback, and an annual stipend for growth opportunities.

Company culture - Employee Resource Groups provide growth opportunities and allow you to create the company you want to work at (more on that below).

Health & wellness - Flexible healthcare options across medical, dental, and vision—and a free Employee Assistance program offering mental health resources and legal advice.

Save & support - Includes Earnin’s 401(K) and FSA plans with tax advantages for retirement, healthcare, and dependent care expenses.

Risks

Legal challenges from deceptive lending allegations could harm Earnin's reputation.

Increased competition in early wage access may impact Earnin's market share.

Reliance on voluntary contributions may not sustain long-term revenue.

Differentiation

Earnin offers fee-free early wage access, unlike traditional payday loans.

Users choose their payment amount, fostering a community-driven financial model.

Balance Shield feature provides automatic deposits to prevent overdrafts.

Upsides

Earnin has facilitated over $15 billion in earnings access since 2013.

Recognition as Best Payments App highlights Earnin's fintech innovation.

Partnerships with gig platforms could expand Earnin's user base.

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