EarnIn

Senior Software Engineer

Mexico

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Not SpecifiedCompensation

Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

Financial TechnologyIndustries

Requirements

Candidates should possess a Bachelor’s degree in Computer Science or a related field, and have at least 5 years of experience in backend software engineering, with a preference for experience in fintech or building 0-to-1 products. Strong experience in designing and implementing scalable architectures, utilizing REST/gRPC APIs and event-driven messaging patterns is required, alongside a demonstrated ability to work in ambiguous environments and collaborate closely with Product teams.

Responsibilities

The Senior Backend Engineer will be responsible for designing and implementing new features, breaking down complex problems into elegant and scalable solutions, and architecting and maintaining robust microservices integrations. They will collaborate with Product teams to define technical solutions, ensuring backend architectures support rapid product iteration, and proactively identify and mitigate risks to maintain secure, reliable, and resilient systems. Additionally, the role involves mentoring and guiding engineers through design reviews, code reviews, and architectural guidance, and developing test automation for continuous integration and deployment.

Skills

Fintech

Microservices

REST APIs

gRPC APIs

Event-driven messaging

Test automation

Continuous integration/deployment

Architectural design

Scalability

Mentoring

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.

Key Metrics

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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