Sr. Staff Mobile Software Engineer at EarnIn

Mountain View, California, United States

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$279,000 – $341,000Compensation

Senior (5 to 8 years), Expert & Leadership (9+ years)Experience Level

Full TimeJob Type

UnknownVisa

FinTechIndustries

Requirements

8+ years of professional experience in native mobile development with deep expertise in both iOS and Android
Demonstrated track record of delivering large-scale, complex mobile applications used by millions
Deep knowledge of mobile architecture design patterns (MVC, MVP, MVVM, MVI, Clean Architecture, etc.)
Proficiency in Swift, SwiftUI, Objective-C (legacy), Kotlin, Jetpack Compose, and Java (legacy)
Solid understanding of cross-platform approaches, including KMP (must have some hands-on experience)
Strong grasp of API design, modularization, dependency management, CI/CD, release strategies, and mobile DevOps pipelines
Experience in influencing and aligning multiple product engineering teams on architecture decisions
Strong communication and leadership skills; ability to explain complex architecture trade-offs to technical and non-technical stakeholders
Experience in modernizing legacy codebases and leading large refactoring efforts (preferred)
Exposure to mobile security best practices and handling of sensitive data (preferred)
Familiarity with mobile analytics, crash reporting, feature flagging, and experimentation platforms (preferred)

Responsibilities

Define, evolve, and advocate for a scalable, modular, and maintainable native mobile architecture across iOS and Android
Lead by example with code and architecture spikes in both platforms
Leverage Kotlin Multiplatform (KMP) where it makes sense, guiding adoption strategy and avoiding pitfalls of over-abstraction
Partner with multiple product engineering teams to ensure mobile features are implemented with architectural integrity while balancing speed and business outcomes
Uplift mobile engineers across teams by evangelizing design patterns, clean code practices, testing strategies, and performance optimization
Drive architecture conversations across several ongoing initiatives simultaneously without losing depth or rigor
Proactively identify bottlenecks, tech debt, and long-term risks; propose solutions that scale with user growth and product expansion
Jump in quickly to bring clarity, untangle existing architectural challenges, and unlock velocity for ongoing product initiatives

Skills

iOS

Android

Kotlin

Kotlin Multiplatform

Mobile Architecture

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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