Senior Software Engineer, Earnin

$169.7-255.4k

+ Equity

SQL
React
AWS
C#
Go
Kotlin
Azure
SpringBoot
REST API
Mid and Senior level
San Francisco Bay Area

Office located in Palo Alto, US

Earnin

Paycheck advance service for employees

Open for applications

Earnin

Paycheck advance service for employees

201-500 employees

FintechB2CB2BPersonal financePaymentsFinancial Services

Open for applications

$169.7-255.4k

+ Equity

SQL
React
AWS
C#
Go
Kotlin
Azure
SpringBoot
REST API
Mid and Senior level
San Francisco Bay Area

Office located in Palo Alto, US

201-500 employees

FintechB2CB2BPersonal financePaymentsFinancial Services

Company mission

Earnin’s mission is to build a financial system that works for people.

Role

Who you are

  • Experience: 4+ years of experience in software development, delivering value in a collaborative and agile environment
  • KYC Expertise: Familiarity with industry-standard Know Your Customer (KYC) processes and solutions, particularly in the FinTech or RegTech sectors
  • Technical Proficiency: Proficient in languages such as Kotlin, C#, and Go, with hands-on experience in common development frameworks like DotNet Core and Spring Boot
  • Frontend Experience: Some experience with frontend development, particularly with React or similar frameworks, is a plus
  • API and Database Skills: Strong experience with RESTful API design and development, coupled with familiarity with SQL and NoSQL database technologies
  • Microservices and Cloud Knowledge: In-depth understanding of microservices architecture and experience with cloud platforms like AWS or Azure
  • Communication: Excellent written and verbal communication skills, with the ability to convey complex technical concepts clearly and effectively
  • Adaptability: Thrive in a fast-paced, dynamic, and results-driven environment, demonstrating the ability to quickly adapt to changing priorities
  • Independence: Self-motivated and capable of working independently with minimal supervision, while also being a team player who contributes to the success of the team

What the job involves

  • EarnIn is looking for experienced, collaborative, and resourceful engineers to join our Trust Engineering team
  • You will work cross-functionally with various teams and contribute to the design and development of our customer trust services
  • System Design and Architecture: Lead the design and architectural decisions for trust engineering solutions, ensuring they meet the organization’s regulatory, scalability, and security requirements
  • KYC Integration: Seamlessly integrate Know Your Customer (KYC) services into our applications, ensuring a smooth and cohesive user experience across multiple platforms and devices
  • Innovation and Trends: Stay ahead of emerging technologies and industry trends in trust engineering, proactively identifying opportunities for process improvements and optimization
  • Feature Development: Drive the end-to-end design and implementation of new features. Break down complex problems into manageable components, translate this complexity into elegant and efficient designs, and produce high-quality, maintainable code
  • Community Impact: Make a meaningful impact by contributing to solutions that enhance the lives and experiences of our community members
  • Collaboration and Mentorship: Collaborate with and mentor other engineers, offering thoughtful guidance through code, design, and architecture reviews, while fostering a culture of continuous learning
  • Quality and Efficiency: Demonstrate a deep passion for producing high-quality, efficient designs and code, ensuring that solutions are not only effective but also maintainable and scalable

Our take

Paying bills is an inevitable part of life, but paying them late or dipping into overdrafts can result in fees. This is the reality for millions of workers who have to wait for their pay checks to arrive – and the problem that companies like EarnIn are trying to solve. By allowing hourly workers access to their pay as it is earned rather than on a fixed date, it hopes to provide all Americans with the ability to deal with immediate costs without going into arrears.

Unlike competitors in this growing space such as Dave, Earnin charges no mandatory fees, instead gaining revenue through a voluntary tipping system. It also requires no credit checks to access its services, which puts it ahead of the growing number of digital banking solutions. This approach has garnered it a strong user base of over 300,000 business customers which offer Earnin as an employee benefit. Around 70 million paycheck advances were taken through the platform in 2022 alone, totalling $5 billion. Since then, this number has grown to an overall earnings access value of $15 billion.

Earnin is growing despite current difficulties in the wider tech landscape and is continuing to hire in all departments. It will continue to improve upon its offering and expand its network of businesses, aiming to give every employee in America control of the money they've earned.

Freddie headshot

Freddie

Company Specialist at Welcome to the Jungle

Insights

Top investors

Few candidates hear
back within 2 weeks

42% employee growth in 12 months

Company

Funding (last 2 of 4 rounds)

Dec 2018

$125m

SERIES C

Sep 2017

$39m

SERIES B

Total funding: $190.1m

Company benefits

  • 401k
  • FSA
  • Mental health resources
  • Employee Resource Groups
  • Stipend for growth opportunities
  • Pet friendly office
  • Work from home opportunities
  • Health insurance

Company values

  • Ownership
  • Speed
  • Impact
  • Outstanding people
  • Curious truth-seeking
  • Multi-level thinking

Company HQ

Evergreen Park, Palo Alto, CA

Leadership

Was Senior Operations Manager at Reflect.com, a P&G company. Served as President of UniRush from 2004 to 2012.

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