Full-Time

Senior Staff Software Engineer

Posted on 6/18/2024

EarnIn

EarnIn

501-1,000 employees

Provides early wage access without fees

Compensation Overview

$228.8k - $341k/yr

+ Equity + Benefits

Expert

Remote in USA + 1 more

More locations: Palo Alto, CA, USA

Hybrid option available for Palo Alto residents, requiring 2-3 days in-office.

Category
Backend Engineering
Full-Stack Engineering
Software Engineering
Required Skills
Kotlin
Microsoft Azure
Python
Java
AWS
Google Cloud Platform
Requirements
  • Bachelor's, Master’s, or PhD degree in computer science, computer engineering, or a related technical discipline or equivalent industry experience.
  • 10+ years of development experience in backend or full-stack software development
  • Software development experience in Java, Python, or Kotlin
  • Hands-on experience working in cloud environments: AWS, GCP, Azure
  • Familiarity with clean architecture approach and software craftsmanship
  • Excellent written and verbal communication skills.
  • Ability to thrive in a fast-paced, dynamic, result-driven environment
Responsibilities
  • Make a meaningful impact in the lives of our community members.
  • Drive the design & implementation of new features - break down complex problems into their bare essentials, translate this complexity into elegant design, and create high-quality, clean code.
  • Collaborate and mentor other senior engineers while providing thoughtful guidance using code, design, and architecture reviews.
  • Contribute to defining technical direction, planning the roadmap, escalating issues, and synthesizing feedback to ensure team success.
  • Estimate and manage team project timelines and risks.
  • Care passionately about producing high-quality, efficient designs and code.
  • Participate in hiring and onboarding for new team members.
  • Lead cross-team engineering initiatives.
  • Apply new technologies and industry standards

Earnin allows individuals to access their earned wages before payday without any fees or interest. Users can cash out a portion of their earnings, and the app features a "Balance Shield" to help maintain their bank account balance. Unlike traditional financial services, Earnin operates on a voluntary contribution model, encouraging a community-driven approach where users can support each other. The goal is to create a fairer financial system that empowers users with immediate access to their earnings.

Company Size

501-1,000

Company Stage

Series C

Total Funding

$190.1M

Headquarters

Mountain View, California

Founded

2012

Simplify Jobs

Simplify's Take

What believers are saying

  • Earnin has provided access to over $15 billion in earnings since 2013.
  • Partnerships with payment innovators enhance transaction processes and user experience.
  • AI-driven customer feedback analysis improves app features and user satisfaction.

What critics are saying

  • Regulatory scrutiny over alleged deceptive lending practices could lead to legal challenges.
  • Voluntary contribution model may impact revenue if users pay little or nothing.
  • Competition from similar fintech services could erode Earnin's market share.

What makes EarnIn unique

  • Earnin offers fee-free early wage access, unlike traditional financial institutions.
  • Users choose their payment amount, fostering a community-driven financial model.
  • Balance Shield feature provides automatic deposits for low bank balances.

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Benefits

Life in balance - Ten company holidays and flexible time off so you can rest and recharge when you need it most. With pay, no catch.

Family matters - When your family grows, we want your focus on them. Our generous parental leave policy and wellness funds make it easy to put yourself and loved ones first.

Learn & grow - A commitment to career development that includes regular training for team members and managers alike, 360 feedback, and an annual stipend for growth opportunities.

Company culture - Employee Resource Groups provide growth opportunities and allow you to create the company *you* want to work at (more on that below).

Health & wellness - Flexible healthcare options across medical, dental, and vision—and a free Employee Assistance program offering mental health resources and legal advice.

Save & support - Includes Earnin’s 401(K) and FSA plans with tax advantages for retirement, healthcare, and dependent care expenses.

Growth & Insights and Company News

Headcount

6 month growth

↑ 0%

1 year growth

↑ 2%

2 year growth

↑ 2%
PYMNTS
Mar 18th, 2025
Earnin Debuts Early Pay For Faster Paycheck Access

EarnIn has debuted a product that lets users access their paychecks two days early. Early Pay, announced by the earned wage access (EWA) provider Tuesday (March 18), lets customers get paid early no matter where they bank. “In today’s world, it shouldn’t take days for money to get from an employer to an employee’s bank account,” Ram Palaniappan, EarnIn’s founder/CEO, said in a news release. “We created Early Pay to fix that — to give people faster access to their paychecks so they can manage their money on their own terms, not their bank’s schedule.”

TechCrunch
Nov 20th, 2024
Another VC-backed fintech, Earnin, faces crackdown over allegedly 'predatory' loans

Another vc-backed fintech, Earnin, faces crackdown over allegedly 'predatory' loans.

The Washington Informer
Nov 20th, 2024
D.C. Attorney General Sues EarnIn for Deceptive Lending Practices and Illegal High-Interest Loans

D.C. Attorney General sues EarnIn for deceptive lending practices and illegal high-interest loans.

Finsmes
Nov 18th, 2024
Exploring Alternative Financing Options For Employees In The Gig Economy

Gig workers face unique financial challenges that traditional banking institutions often fail to address. With irregular income patterns and lack of conventional employment documentation, many find themselves excluded from standard financial products. Banks typically require steady paychecks and extensive credit history, creating significant barriers for those working in ride-sharing, delivery services, freelance platforms, or other gig economy roles. This gap has created a pressing need for innovative financing solutions tailored to the modern workforce’s actual working patterns and income structures.Income-Based Lending SolutionsIncome-based lending has emerged as a practical alternative to traditional credit-based loans. These solutions analyze real-time earnings data from gig platforms to determine loan eligibility and terms. Instead of focusing solely on credit scores, lenders evaluate consistent earning patterns and work history, opening doors for workers who maintain steady gig income but may have imperfect credit. This approach provides a more accurate picture of a borrower’s ability to repay, considering factors like platform-specific performance metrics, customer ratings, and historical earnings data across multiple gig platforms.Early Wage Access ProgramsEarly wage access has revolutionized how gig workers manage cash flow. Rather than waiting for scheduled payouts, workers can access their earned wages immediately after completing tasks

PR Newswire
Aug 27th, 2024
Amazon Photos, Bank Of America, Coca-Cola, Docusign, First Citizens, Wyndham Hotels, Others Awarded Unitq Quality Excellence Awards

BURLINGAME, Calif., Aug. 27, 2024 /PRNewswire/ -- unitQ, the leading AI-powered customer feedback platform empowering organizations to take a customer-centric, real-time data-driven approach to craft high quality products, services and experiences, announced today the 50 winners of the unitQ 2024 Summer Quality Excellence Awards.These awards celebrate and recognize companies that have shown exceptional commitment to delivering consistently high-quality products and services, and have earned overwhelmingly positive user feedback.Recognizing companies delivering quality products and services, and have earned overwhelmingly positive user feedback Post thisThe winners are setting new benchmarks for excellence in their respective sectors, demonstrating unparalleled dedication to the customer experience. These awards represent a commitment from product, engineering and support teams to foster a culture of continuous improvement backed by high user satisfaction."The dedication and effort these companies have shown in upholding superior quality across their offerings and client interactions is remarkable and deserves recognition with the unitQ Quality Excellence Award," said Christian Wiklund, unitQ CEO. "We are proud to honor these organizations for their unwavering commitment to excellence."The unitQ 2024 Summer Quality Excellence Awards, released today, are grounded on the comprehensive AI analysis provided by unitQ's customer feedback software. unitQ's proprietary AI and ML algorithms translated, categorized and summarized 40,040,889 pieces of publicly available Google Play Store and Apple App Store user reviews for 7,850 top Android and iOS top mobile applications, surfacing:Top Quality IssuesTop feature requestsTrending 4-start reviews on brink of a 5-star reviewTop 50 apps driving quality excellenceRecipients were among those companies that received a Good to Epic unitQ Score. The unitQ Score is unitQ's unbiased and proprietary machine-generated metric that represents the percentage of a company's users reporting a frictionless experience with their product or service

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