Software Engineer (Backend) at EarnIn

Mexico City, Mexico City, Mexico

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Not SpecifiedCompensation

Mid-level (3 to 4 years), Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

FinTechIndustries

Requirements

3+ years of backend software engineering experience, ideally in distributed or microservice-based systems
Strong fundamentals in service architecture and API design, with experience building reliable, performant systems at scale
Proficiency in at least one modern backend language, such as Kotlin, Java, C#, or Python, and openness to learning new technologies as needed
Experience with SQL databases (e.g., PostgreSQL, MySQL) and familiarity with NoSQL systems is a plus
Familiarity with event-driven patterns (queues, messaging, background jobs) and REST/gRPC services
Collaborative mindset, with experience working alongside product, data, and design teams to deliver user-facing impact
Strong testing and debugging skills, with experience maintaining high-quality services in production
Excellent communication and problem-solving abilities, with a proactive approach to learning and iteration
Bonus: Experience with experimentation frameworks, growth systems, or AI-powered personalization tools

Responsibilities

Design and implement backend features that drive EarnIn’s Growth funnel — from onboarding and cross-sell to retention and engagement
Build and maintain scalable, event-driven microservices that enable experimentation, real-time personalization, and data-driven decision-making
Collaborate with Product, Data, and Marketing teams to translate growth hypotheses into technical solutions and run experiments that move key metrics
Ensure system performance, scalability, and reliability, especially under high throughput and real-time conditions
Develop automation and testing frameworks to maintain velocity and confidence in continuous integration and deployment pipelines
Debug and resolve production issues, working across multiple service layers to maintain system stability and uptime
Proactively identify opportunities to generalize solutions, building reusable infrastructure and APIs that accelerate team development
Partner with mobile, web, and analytics teams to ensure cohesive end-to-end experiences across platforms

Skills

Backend Development

Scalable Services

System Design

APIs

Experimentation

Personalization

Data Processing

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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