Senior Software Engineer at EarnIn

Mountain View, California, United States

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$207,000 – $253,000Compensation

Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

FintechIndustries

Requirements

4+ years of software engineering experience, with a track record of delivering scalable backend solutions
Bachelor's, Master’s, or PhD degree in computer science, computer engineering, or a related technical discipline, or equivalent industry experience
Experience working in microservices architectures, designing and building distributed systems
Proficiency in at least one modern backend programming language, with the ability to adapt to multiple technologies (Java, Kotlin, C#, Python)
Strong expertise in SQL databases (NoSQL systems a plus)
Experience in fintech or building 0-to-1 products, focusing on system scalability and flexibility
Experience designing architectures that enable rapid iteration, either from early-stage product development or within Research & Development
Thrive in uncertainty, excel at defining technical solutions in ambiguous environments, and collaborate closely with Product teams
Hybrid position in Mountain View requiring in-office work 2 days a week

Responsibilities

Design and implement new features, breaking down complex problems into elegant, scalable, and maintainable solutions
Architect and maintain robust microservices integrations, leveraging REST/gRPC APIs and event-driven messaging patterns (events/queues) to build flexible and extensible systems
Collaborate with Product teams to define technical solutions in ambiguous environments, ensuring backend architectures support rapid product iteration and expansion
Ensure scalability and performance by developing services designed to handle high-throughput and real-time transaction processing
Proactively identify and mitigate risks, ensuring backend systems remain secure, reliable, and resilient
Mentor and guide engineers, providing technical leadership through design reviews, code reviews, and architectural guidance
Develop test automation to enable continuous integration and deployment, maintaining high development velocity
Debug and troubleshoot production issues, working across multiple stack levels to maintain service stability
Work closely with cross-functional teams, including data science, product, analytics, and marketing, to ensure backend services align with business objectives

Skills

Backend Engineering

Scalable Architecture

System Design

Fintech

Product Development

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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