Senior Software Engineer

About Earnin

As one of the first pioneers of earned wage access, our passion at EarnIn is building products that deliver real-time financial flexibility for those with the unique needs of living paycheck to paycheck. Our community members access their earnings as they earn them, with options to spend, save, and grow their money without mandatory fees, interest rates, or credit checks.

We’re fortunate to have an incredibly experienced leadership team, combined with world-class funding partners like A16Z, Matrix Partners, DST, Ribbit Capital, and a very healthy core business with a tremendous runway. We’re growing fast and are excited to continue bringing world-class talent onboard to help shape the next chapter of our growth journey.

POSITION SUMMARY   We’re looking for a Senior Backend Engineer to join our Growth Engineering team, which builds the experiences, systems, and experiments that help millions of people discover and engage with EarnIn. You’ll play a pivotal role in designing and evolving backend platforms that enable rapid product iteration, intelligent personalization, and scalable growth strategies. This is a high-impact, product-driven role focused on the moments that define a member’s journey - Discovery, Onboarding, Activation, and Retention.

This position is ideal for an engineer who thrives at the intersection of product, data, and analytics, and who takes pride in translating technical excellence into measurable business and customer outcomes. While your core focus will be backend development, we’re looking for someone with the curiosity and flexibility to learn and contribute across other platforms - Web, iOS, and Android - as the team’s needs evolve. As part of the Growth team, you’ll have a genuine seat at the table, influencing both product direction and technical strategy. If you’re looking for a role where your code, experiments, and technical insight directly shape the future of a product used by millions, this is it.

The Mountain View base salary range for this full-time position is $210,000 to $257,000, plus equity and benefits. Our salary ranges are determined by role, level, and location. This is a hybrid position in Mountain View, requiring in-office work 2 days a week

What You'Ll Do

• Design, build, and maintain backend services that power high-impact Growth initiatives - from onboarding and activation to engagement and retention.
• Architect scalable systems and data flows to support experimentation, A/B testing, and personalized user experiences across mobile and web platforms.
• Collaborate cross-functionally with Product, Analytics, and Mobile teams to design APIs and backend workflows that enable rapid iteration and measurable outcomes.
• Implement and optimize REST/gRPC APIs and asynchronous job systems that ensure performance, reliability, and observability at scale.
• Monitor, debug, and improve system reliability, participating in incident response and root cause analysis to enhance resilience.
• Write clean, maintainable, and well-tested code with strong attention to performance and maintainability.
• Mentor mid-level engineers through code reviews, design discussions, and technical guidance.
• Contribute to engineering culture by helping evolve best practices in experimentation, observability, and cross-platform collaboration.
• Engage in product discussions, bringing data-informed and customer-oriented thinking to technical decisions.

What We'Re Looking For

• 4+ years of professional software engineering experience, with a strong focus on backend systems.
• Bachelor’s degree or equivalent practical experience.
• Proficiency in Kotlin, Java, or similar JVM-based languages. Experience with other backend technologies (e.g., Go, Python, Node.js) is a plus.
• Strong understanding of REST/gRPC API design, event-driven systems, and asynchronous processing.
• Experience with relational databases (e.g., PostgreSQL, MySQL) and data modeling for scale.
• Expertise with distributed systems - monitoring, alerting, and performance optimization in production environments.
• Familiarity with CI/CD pipelines and modern deployment practices (Docker, Kubernetes, etc.).
• Strong collaboration and communication skills, with experience working cross-functionally with product and analytics teams.
• Interest or experience in mobile or web technologies (Swift, Kotlin Multiplatform, React, or similar) and a willingness to learn as needed.
• Curious about experimentation, analytics, and growth engineering, with an understanding of how technical systems drive business impact.
• Experience mentoring and influencing peers through design and architectural guidance.
• Experience or deep curiosity in leveraging AI and LLMs to enhance development velocity, experimentation, and intelligent product growth.

#LI-Hybrid

At EarnIn, we believe that the best way to build a financial system that works for everyday people is by hiring a team that represents our diverse community. Our team is diverse not only in background and experience but also in perspective. We celebrate our diversity and strive to create a culture of belonging. EarnIn does not unlawfully discriminate based on race, color, religion, sex (including pregnancy, childbirth, breastfeeding, or related medical conditions), gender identity, gender expression, national origin, ancestry, citizenship, age, physical or mental disability, legally protected medical condition, family care status, military or veteran status, marital status, registered domestic partner status, sexual orientation, genetic information, or any other basis protected by local, state, or federal laws. EarnIn is an E-Verify participant. 

EarnIn does not accept unsolicited resumes from individual recruiters or third-party recruiting agencies in response to job postings. No fee will be paid to third parties who submit unsolicited candidates directly to our hiring managers or HR team.