[Remote] Sr. Software Engineer, SaaS at EarnIn

Mexico

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Not SpecifiedCompensation

Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

FinTech, SaaSIndustries

Requirements

4+ years of development experience in a fast-paced environment
Bachelor's degree in computer science, computer engineering, or a related technical discipline or equivalent industry experience
Proficient in one or more modern programming languages (e.g., Go, Python, C#, or similar) with a solid understanding of software engineering best practices
Hands-on experience working with relational databases
Cloud experience, AWS preferred
Experience managing infrastructure and service configurations using Configuration as Code (e.g., Helm, Kustomize, Terraform)
Deploy and operate backend services in a Kubernetes-based environment, optimizing for resiliency, scalability, and performance
Excellent written and verbal communication skills
Ability to thrive in a fast-paced, dynamic environment and have a bias towards action and results

Responsibilities

Design & build key backend components such as payroll and tax processing engines, ledger services, and pay cycle management
Develop services and APIs using Go (Golang) that are robust, secure, and optimized for performance and maintainability
Collaborate closely with product managers, designers, and fellow engineers to deliver high-impact features that meet the needs of payroll customers
Design, implement, and maintain scalable and reliable backend microservices for EarnIn’s new payroll SaaS product
Investigate and resolve production issues with a focus on root cause analysis, long-term stability, and continuous improvement
Contribute to building a modern, best-in-class payroll platform that handles time-critical financial workflows with precision and reliability
Conduct code reviews to ensure code quality, adherence to best practices, maintainability, and alignment with project requirements, while providing constructive feedback to team members
Ensure the delivery of high-quality software features within established timelines

Skills

Golang

APIs

Microservices

Backend Development

Payroll Processing

Tax Processing

Ledger Services

Pay Cycle Management

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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