Senior Staff Software Engineer at EarnIn

Mountain View, California, United States

EarnIn Logo
$279,000 – $341,000Compensation
Senior (5 to 8 years)Experience Level
Full TimeJob Type
UnknownVisa
FinTechIndustries

Requirements

  • 10+ years of development experience in backend or full-stack software development, including IC Leadership experience
  • Bachelor's, Master’s, or PhD degree in computer science, computer engineering, or a related technical discipline, or equivalent industry experience
  • 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 Kotlin and C#
  • Proficient in running multiple critical tech initiatives in parallel
  • Familiarity with the clean architecture approach
  • Experience with various data storage, including relational and document databases
  • Excellent written and verbal communication skills
  • Being self-motivated and able to work independently with minimal supervision

Responsibilities

  • Drive the design & implementation of new features and/or re-architect existing systems - break down complex problems into their bare essentials, translate this complexity into elegant design, and create high-quality, maintainable code
  • Make a meaningful impact on 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
  • Care passionately about producing high-quality designs and code
  • Participate in hiring and onboarding for new team members
  • Lead cross-team engineering initiatives

Skills

REST
gRPC
Microservices
System Design
Backend Development
APIs

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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