Full-Time
Machine Learning Engineer
Posted on 11/23/2025
EarnIn
501-1,000 employees
On-demand wage access via app
No salary listed
Bengaluru, Karnataka, India
Hybrid
Hybrid role; 2 days per week in Bengaluru office.
 AI & Machine Learning (2) |
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- Bachelor's or Master’s degree in Computer Science, Engineering, or a related field or related experience
- 3+ years of industry machine learning experience and excellent software engineering skills
- Expertise in the breadth of machine learning and statistical techniques, such as tree-based models, deep learning techniques, and A/B testing
- Strong programming skills in Python and familiarity with ML frameworks such as TensorFlow, PyTorch, XGBoost, and Scikit-Learn
- Hands-on experience with SQL and data manipulation tools
- Experience with ML cloud platforms such as AWS Sagemaker, Databricks, or GCP Vertex AI
- Strong analytical skills to evaluate business impact and performance metrics of ML implementations and drive continuous improvement
- Strong communication and collaboration skills
- Passion for learning and staying updated with the latest machine learning industry trends
- Design, build, A/B test, and maintain machine learning and statistical models to optimize audience, channel, campaign, creative, and customer journey, improving ROI for user acquisition and lifecycle marketing
- Continuously optimize the quality of our machine learning models for Marketing Mix Modeling (MMM), predicted Lifetime Value (LTV), incremental Lift estimation, and causal inference
- Analyze large datasets to extract actionable insights and inform marketing decisions
- Collaborate with multiple teams in the US and India. Communicate findings and recommendations to stakeholders clearly and concisely
- Champion scientific rigor in data-driven decision-making
- Stay up-to-date with the latest advancements in machine learning, statistical techniques, and marketing analytics to recommend newer business opportunities
- Prior experience with Marketing Mix Modeling (MMM), predicted Lifetime Value (LTV), incremental Lift estimation, geo lift tests, and causal inference is a big plus
EarnIn provides wage access through a mobile app, allowing users to cash out a portion of their earned wages before payday without traditional fees or interest. Users choose how much to withdraw, with the deduction taken from their next paycheck; Balance Shield automates savings by topping up if balance falls too low; Tip Jar encourages saving and community contributions. The model relies on voluntary payments from users, enabling pay-what-you-want contributions rather than mandatory fees. The company emphasizes a community-driven approach to financial fairness and security with 256-bit encryption.
Company Size
501-1,000
Company Stage
Debt Financing
Total Funding
$415.1M
Headquarters
Mountain View, California
Founded
2012
Simplify's Take
What believers are saying
- EarnIn surpassed 1M Live Pay transactions since July 2025 with 600K waitlist.
- MUFG provided $75M financing in 2025 to expand Live Pay and products.
- EarnIn users gain 21-point average credit score increase after four months.
What critics are saying
- November 2025 data breach exposed SSNs and names, triggering lawsuits.
- DC court upheld dismissal but regulators reclassify tips as 300% APR loans.
- DailyPay captures employer market, diverting EarnIn Payroll B2B revenue.
What makes EarnIn unique
- EarnIn offers real-time Live Pay streaming earnings as workers earn them.
- Voluntary tips replace mandatory fees in EarnIn's community-driven model.
- EarnIn Payroll integrates EWA tools directly into employer payroll systems.
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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
6 month growth
↑ 0%1 year growth
↑ 0%2 year growth
↑ 3%EarnIn has surpassed one million Live Pay transactions since July 2025, marking a shift towards real-time income access. More than 600,000 people joined the waitlist for the feature. Live Pay streams earnings in real time through EarnIn Card, updating continuously as people work rather than following traditional pay cycles. Users log into the app over 50 times monthly to monitor earnings, plan spending and track credit scores. Early data shows customers using Live Pay for four months experienced an average credit score increase of 21 points. The technology addresses the disconnect between digital work and legacy payroll infrastructure, as approximately 73% of US workers remain on biweekly pay schedules designed for a paper-based era, according to the US Bureau of Labor Statistics.
EarnIn data breach investigation. Strauss Borrelli PLLC, a leading data breach law firm, is investigating Activehours, Inc., which does business as EarnIn ("EarnIn"), regarding its recent data breach. The EarnIn data breach involved sensitive personal information belonging to an undetermined number of individuals. About Activehours, Inc. d/b/a earnin: EarnIn is a financial technology company based in California. Founded in 2012, EarnIn provides users with a range of financial services, including accessing job earnings early, credit monitoring, automated savings accounts, low-balance protection, and more.[2,3] Headquartered in Mountain View, California, EarnIn employs over 200 individuals.[2,3] What happened? On November 12, 2025, EarnIn reported to the Attorney General of Texas that it had experienced a data breach in which the sensitive personal identifiable information in its systems may have been accessed by an unauthorized third party. As of November 14, 2025, details of the breach have not been made publicly available by EarnIn. While the information impacted varies depending on the individual, the type of information potentially exposed includes: * Name * Social Security number * Address * Date of birth According to the Attorney General of Texas breach report, EarnIn has begun providing notice to impacted individuals. A link to the breach report that EarnIn filed with the Attorney General of Texas is below. If you believe you have been affected by the Activehours, Inc. d/b/a EarnIn breach: We would like to speak with you about your rights and potential legal remedies in response to this data breach. Please fill out the form, below, or contact us at 872.263.1100 or [email protected].
EarnIn expands into payroll to redefine how america gets paid. By creating a payroll system built for today's workforce, EarnIn embeds financial freedom directly into the paycycle - centering on employees and giving them more access and control of their pay than ever before. MOUNTAIN VIEW, Calif. - [October 22, 2025] - EarnIn, the leading earnings management company, today announced the launch of EarnIn Payroll, a reimagined payroll system that puts workers at the center of how and when they get paid. For decades, payroll, and how workers get paid, has been employer-owned and employer-driven; leaving workers waiting weeks to access the money they've already earned. EarnIn's mission has always been to give people greater control over their pay. By integrating payroll directly into its ecosystem, EarnIn has moved beyond legacy overlays to build a system uniquely designed around the employee experience. "Paychecks today are digital - and they should work like other digital products: flexible and streaming," said Ram Palaniappan, CEO and Founder of EarnIn. "With EarnIn Payroll, we're transforming payroll from something chosen for employees into something chosen by them. This isn't payroll as usual. It's payroll reimagined to meet the immediate expectations of today's workforce." For employees, EarnIn Payroll delivers a system designed around their needs. Through the EarnIn App, employees can leverage EarnIn's broader suite of financial tools, including Cash Out, Early Pay, and Live Pay. The on-demand and flexible access to earnings, and seamless integration with financial wellness tools, creates a shift from "waiting to get paid" to "choosing how to get paid", and real opportunities to build credit. Employers of all sizes harness enterprise-level features with EarnIn Payroll. Through a clean intuitive interface, employers can run payroll more efficiently. Seamless integrations with retirement, healthcare, and other benefits ensures an easy migration from a legacy payroll platform. EarnIn Payroll's app-based employee self-service portal is built with top talent in mind - especially frontline and hourly workers - where financial flexibility is no longer a perk, but an expectation. For Payroll Service Providers, EarnIn Payroll is uniquely positioned to deliver what your employers are asking for: an all-in-one payroll platform that fully integrates earned wage access (EWA), Live Pay, and other modern-day pay benefits with the essentials of payroll systems today. About EarnIn. EarnIn offers an earnings management platform that helps people take control of their money and build momentum. With tools like on-demand pay, early paycheck access, credit-building, and real-time streaming pay (subject to a customer's pay period max), EarnIn provides flexible ways to access and manage earnings - all without costly interest, hidden fees, or credit checks. EarnIn is a financial technology company, not a bank. Banking services are provided by our Bank partners. See earnIn.com for details
EarnIn partners with Upside to expand access to everyday cash back. EarnIn customers can now access personalized Upside offers at thousands of food and fuel locations nationwide Washington, D.C., October 14, 2025 - Upside, a digital marketplace that connects retailers with new and existing customers through personalized cash back offers, today announced a partnership with EarnIn, an earnings management platform. Through this integration, millions of EarnIn users can now access Upside offers directly within the EarnIn app, stretching their dollars further on the things they need most. Deals include up to 11% cash back on groceries, 22¢/gal cash back on fuel, and 24% cash back at restaurants. "At EarnIn, our goal has always been to bring people closer to their earnings and give them greater control over their money," said Raghu Mittal, GM, Marketplace at EarnIn. "By bringing Upside's personalized promotions into our app, we're helping our community not only access their wages early but also maximize their purchasing power on the essentials they rely on every day." The integration is powered by an API connection, which enables Upside's dynamic promotions to appear natively in the EarnIn app. This seamless distribution meets users where they already transact while delivering measurable results for Upside retailers. "Partnering with EarnIn expands Upside's mission to put more economic power in people's hands," said Chad Crutchfield, Upside's Vice President of Strategic Partnerships. "It stretches EarnIn users' dollars on essentials and brings our retailers a whole new set of loyal customers." Upside helps consumers earn 3.0x more cash back than other apps on everyday purchases. Reaching 35 million consumers through its app and partner network - up to three times the reach of industry peers - Upside connects shoppers via banking apps, gig economy platforms, and fintech tools. At the same time, retailers use Upside to attract new customers, boost repeat visits, and drive incremental profit through measurable, attributable transactions. EarnIn provides access to more than $25 billion in earnings each year. To date, the app has been downloaded 27 million times, its community has generated more than 750,000 customer referrals, and it has earned over 550,000 five-star reviews. Discover how to bring Upside's personalized promotions to your users: upside.com/partnerships. Upside is a digital marketplace that connects millions of consumers with brick-and-mortar retailers nationwide. Since 2016, Upside's personalized offers have empowered individuals to gain greater purchasing power for their essential needs while helping businesses achieve measurable profits. Billions of dollars in commerce run through the Upside platform annually, directly benefiting retailers, consumers, and sustainability initiatives. For more information, visit www.upside.com. EarnIn offers an earnings management platform that helps people take control of their money and build momentum. With tools like on-demand pay, early paycheck access, credit-building, and real-time streaming pay subject to customer" pay period max, EarnIn provides flexible ways to access and manage earnings - all without interest, hidden fees, or credit checks. EarnIn is a financial technology company, not a bank. Banking services are provided by its Bank partners. See earnIn.com for details. Contact the press team. Last possible date for an interview or receipt of content/image/etc.
The senior secured revolving facility, with MUFG as Sole Lender, will fuel EarnIn's growth and expansion into innovative products, including Live Pay.