Backend Software Engineer, Earnin
CA$105-128k
+ Equity
2 days a week in office
Paycheck advance service for employees
Be an early applicant
Paycheck advance service for employees
201-500 employees
Be an early applicant
CA$105-128k
+ Equity
2 days a week in office
201-500 employees
Company mission
Earnin’s mission is to build a financial system that works for people.
Role
Who you are
- 1+ years of full-time backend software engineering experience, ideally in distributed or microservice-based systems with a Bachelor's degree or equivalent experience
- Strong fundamentals in service architecture and API design, with experience building reliable, performant systems at scale
- Proficiency in at least one modern backend language, such as Kotlin, Java, C#, or Python, and openness to learning new technologies as needed
- Experience with SQL databases (e.g., PostgreSQL, MySQL) and familiarity with NoSQL systems is a plus
- Familiarity with event-driven patterns (queues, messaging, background jobs) and REST/gRPC services
- Collaborative mindset, with experience working alongside product, data, and design teams to deliver user-facing impact
- Strong testing and debugging skills, with experience maintaining high-quality services in production
- Excellent communication and problem-solving abilities, with a proactive approach to learning and iteration
- Bonus: Experience with experimentation frameworks, growth systems, or AI-powered personalization tools
What the job involves
- We’re looking for a Backend Engineer to join our Growth Engineering team, which builds the systems and experiments that help millions of people discover, onboard, and engage with EarnIn
- You’ll work on high-impact product areas across the member journey, from activation to retention, designing scalable backend services that enable rapid experimentation, personalization, and data-informed product decisions
- This role is ideal for an engineer who enjoys solving complex system challenges while driving measurable user and business outcomes
- You’ll collaborate closely with cross-functional partners in Product, Data, Marketing, and Mobile to ship features that directly impact growth metrics
- Design and implement backend features that drive EarnIn’s Growth funnel — from onboarding and cross-sell to retention and engagement
- Build and maintain scalable, event-driven microservices that enable experimentation, real-time personalization, and data-driven decision-making
- Collaborate with Product, Data, and Marketing teams to translate growth hypotheses into technical solutions and run experiments that move key metrics
- Ensure system performance, scalability, and reliability, particularly under high-throughput and real-time conditions
- Develop automation and testing frameworks to maintain velocity and confidence in continuous integration and deployment pipelines
- Debug and resolve production issues, working across multiple service layers to maintain system stability and uptime
- Proactively identify opportunities to generalize solutions, building reusable infrastructure and APIs that accelerate team development
- Partner with mobile, web, and analytics teams to ensure cohesive end-to-end experiences across platforms
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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