Senior Product Designer, Earnin
CA$140-190k
+ Equity
Paycheck advance service for employees
Open for applications
Paycheck advance service for employees
201-500 employees
Open for applications
CA$140-190k
+ Equity
201-500 employees
Company mission
Earnin’s mission is to build a financial system that works for people.
Role
Who you are
- You have 4+ years of experience working with product teams to ship consumer products
- You’re a skilled collaborator: you understand how to plan projects, have excellent etiquette around others’ ideas, and can get the best out of your colleagues
- You’re prolific - you’re much more of a maker than a talker. You use your work to explore multiple solutions to a customer's needs
- You use proven principles and tools across the end-to-end design process
- Excellent thinking and communication skills (because you’re a designer). You’re skilled at arguing for your point of view, designing, and giving/receiving feedback
- You’re curious: You work from customer needs first
- You have a passion for impactful financial technology
- Bachelor's degree or equivalent industry experience required
What the job involves
- Nothing is more important than the trust our customers have placed in us. EarnIn Design & Research is responsible for fostering that trust—through diligent customer research and innovative product strategy, all in the service of crafting high-quality user experiences
- This is a senior individual contributor role. Our Designers and Researchers collaborate in cross-functional teams that work autonomously, rapidly, and collaboratively. We’re tasked with solving the company’s most significant challenges as we grow quickly. For example, we help our customers:
- Make use of their money in the most efficient, painless way possible
- Understand how to make progress with money
- Feel a sense of freedom to say, “yes,” without worrying about finding themselves in financial hot water
- Own the end-to-end user experience for one or two product verticals, working with Product Managers, Engineers, and Data Scientists to bring a great experience to life
- Influence EarnIn’s product vision and design strategy
- Collaborate with other designers to ensure a consistent experience & design language across our platform
- Execute and contribute to our design system and processes
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 paychecks 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 who 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
Company Specialist at Welcome to the Jungle
Insights
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 HQ
Evergreen Park, Palo Alto, CA
Leadership
Ram Palaniappan
(Founder & CEO)Was Senior Operations Manager at Reflect.com, a P&G company. Served as President of UniRush from 2004 to 2012.
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