Senior Software Engineer, Earnin
$186.3-227.7k
+ Equity
Paycheck advance service for employees
Be an early applicant
Paycheck advance service for employees
201-500 employees
Be an early applicant
$186.3-227.7k
+ Equity
201-500 employees
Company mission
Earnin’s mission is to build a financial system that works for people.
Role
Who you are
- This role is ideal for someone who thrives at the intersection of product and platform—bringing a backend-first perspective with a strong understanding of user experience needs, and is comfortable operating across service layers, infrastructure, and collaborating with frontend or mobile engineers to ship cohesive features
- 5+ years of software engineering experience, with a track record of shipping and maintaining backend services
- Strong Kotlin experience required, especially in backend systems
- Proven experience working in microservice-based architectures and event-driven communication models
- Hands-on experience designing and implementing REST/gRPC APIs and messaging workflows
- Solid understanding of SQL databases, schema design, and performance optimization
- Familiarity with distributed systems, including monitoring, alerting, and failure handling
- Experience working with CI/CD pipelines and production deployment practices
- Effective communication and collaboration skills across time zones and teams
- Experience mentoring other engineers and providing technical leadership
- Exposure to frontend or mobile client integration is a plus
- Proactive interest in working with AI tools and on AI-driven solutions: You’ll have opportunities to use generative AI, automation, and AI-powered analytics to enhance our product and your workflow, driving innovation at EarnIn
- Experience or interest in multiple backend technologies and languages: You’ll have the chance to work with or learn modern languages like Go, C#, and more, expanding your skill set and impact as our services evolve
What the job involves
- We’re looking for a Senior Backend Engineer (Full Stack Mindset) to join our Core UX Team, which owns the foundational services that drive user-facing experiences across EarnIn’s mobile and web platforms
- You’ll be responsible for designing and evolving Kotlin-based services, improving system reliability (including background workflows and queues), and enabling scalable product experiences that millions of members interact with daily
- Design, implement, and evolve Kotlin-based backend services that support key user-facing product features
- Break down complex product and system requirements into clean, scalable service architectures
- Build and maintain asynchronous workflows, including job execution, messaging patterns, and queue-based processing
- Contribute to the design and rollout of robust REST/gRPC APIs and data contracts used across mobile and web clients
- Collaborate closely with mobile, frontend, product, and design teams to ensure consistency and cohesion across platforms
- Own the reliability, observability, and performance of the services you build in production environments
- Write well-tested, maintainable code and participate in continuous integration pipelines and automation frameworks
- Participate in incident response and root cause analysis to help improve system resilience
- Provide technical guidance and mentorship to other engineers through design reviews, pair programming, and architecture discussions
- Contribute to team-wide planning and influence engineering strategy within the Core UX domain
- Actively collaborate across domains, including product, data, finance, and analytics, to align services with real-world business needs
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
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
(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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