Full-Time

Senior AI Builder

EarnIn

EarnIn

501-1,000 employees

On-demand wage access via app

Compensation Overview

$228k - $279k/yr

+ Equity

Mountain View, CA, USA

Hybrid

Two days in-office per week required.

Bachelor's, Master's, PhD

Category
Software Engineering (1)
Required Skills
LLM
RAG
LangChain

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Requirements
  • 4+ years of full-time software engineering experience, with at least 2 years building tooling, platforms, or internal developer products
  • Bachelor’s, Master’s, or PhD in Computer Science, Computer Engineering, or a related technical discipline, or equivalent industry experience. We care about what you’ve built, not where you studied.
  • Hands-on experience with LLM integration patterns — prompt engineering, RAG pipelines, tool/function calling, and agent architectures
  • Proficiency and comfort working across the stack when needed
  • Experience with MCP, LangChain, or comparable orchestration frameworks
  • Experience with open source LLM models
  • Strong opinions about developer experience and a track record of building things other engineers actually use
Responsibilities
  • Agents that take real actions. You'll design how agents think — prompts, reasoning chains, tool calls, and the full architecture beneath them. From MCP servers and agent scaffolding to context harnesses and a Skills Marketplace, you're building the layer every squad at EarnIn builds on. Not a proof of concept. Production infrastructure.
  • A PDLC that doesn't look like 2022. The product development lifecycle is overdue for a rethink. You'll challenge each stage — from scoping and design through to review, testing, deployment, and monitoring — and replace manual friction with agentic workflows wherever it makes sense. Evaluation pipelines, automated PR hygiene, deployment gating, generation-to-merge metrics: you'll build the scaffolding that makes governed AI fast, not slow.
  • Evals that actually mean something. You'll own the evaluation infrastructure — building the pipelines, benchmarks, and quality gates that tell us whether our AI is working, degrading, or ready to ship. That means designing eval harnesses for AI-assisted workflows, setting generation-to-merge and review latency baselines, and making model quality visible and trustworthy across teams. If you've built evals that caught real problems before they hit production, you'll fit right in.
  • Pilots that graduate to production. EarnIn's engineering leads are running experiments. You'll be the person who takes what's working and turns it into something the next team can fork and ship in a week. Less "interesting prototype," more "thing we rely on." You’ll build reusable libraries, templates, and reference implementations that give squads a running start on AI integration, so no one has to solve the same problem twice
Desired Qualifications
  • Hands-on experience with reinforcement learning — especially RLHF, RLAIF, or reward modeling in applied product contexts
  • Experience in fintech or regulated/security-sensitive environments
  • Hands-on work with AI governance — bias evaluation, audit logging, model cards
  • Exposure to multi-step reasoning pipelines or human-in-the-loop system design

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

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Simplify Jobs

Simplify's Take

What believers are saying

  • Workday integration begins October 1, 2026, reaching millions of enterprise workers.
  • Live Pay passed one million transactions since July 2025, proving consumer demand.
  • MUFG's $75 million financing supports product expansion and runway for payroll ambitions.

What critics are saying

  • Maryland Judge Julie Rubin ruled August 2025 EarnIn fits lending and TILA coverage.
  • D.C. Attorney General's 2024 suit alleges deceptive pricing and seeks to bar EarnIn.
  • November 2025 Texas breach reports exposed Social Security numbers, intensifying trust and compliance risk.

What makes EarnIn unique

  • Live Pay streams earnings in real time on EarnIn Card, launched July 2025.
  • EarnIn Payroll, launched October 2025, bundles EWA into employer payroll infrastructure.
  • Earn Better adds AI job search tools inside the app, broadening worker lifecycle coverage.

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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

2%

1 year growth

3%

2 year growth

5%
Yahoo Finance
Jul 29th, 2026
EarnIn partners with Workday to offer earnings management tools to millions of US workers

EarnIn, a leading earnings management company, has partnered with Workday to integrate its services into Workday's Enhanced Direct Deposit Switching programme. The collaboration will provide employees across Workday's ecosystem — which serves over 11,500 organisations globally, including more than 65% of Fortune 500 companies — with access to EarnIn's financial tools. The integration uses new API technology to streamline the enrollment process, eliminating manual entry of banking details. Employees who sign up through Workday's system can access various EarnIn services, including early pay and credit monitoring features. The service will become available to employees of Workday payroll customers from 1 October 2026. EarnIn founder and CEO Ram Palaniappan described the partnership as bringing earnings management tools directly into systems employees use daily.

Recruiting Headlines
Jun 25th, 2026
EarnIn launches jobs platform.

EarnIn launches jobs platform. MOUNTAIN VIEW, Calif. - EarnIn, the leading earnings management company, today announced the launch of Earn Better, a jobs platform designed to help the American workforce get back to work faster and improve their earnings over time with better-paying roles. By expanding from helping people access the pay they've already earned to helping them get back to earning faster after job loss, EarnIn is extending its mission to support workers through every stage of their financial journey. Job loss and employment disruptions affect millions of people every year. Today, more than 7 million Americans are unemployed, and over 20 million experience involuntary job separations annually due to layoffs, terminations, or other disruptions. EarnIn has direct visibility into this challenge, with approximately one million customers experiencing income interruptions each year due to job loss. Earn Better is uniquely positioned to solve this disruption, bringing job discovery directly into the EarnIn app with access to job recommendations and free tools to help workers get back to work faster. "Career and financial momentum are tightly connected," said Tuck Hauptfuhrer, VP of Product at EarnIn and former CEO and co-founder of EarnBetter, which supported nearly one million job seekers prior to joining EarnIn. "Many tools that can help in the job search are paywalled, and most job sites are saturated with employer ads and engineered to drive the next click or application. Earn Better was developed to democratize access to support and provide job recommendations not influenced by ads in order to help people get to their next paycheck as quickly as possible." Earn Better is now built directly into the EarnIn app and will launch with access to more than 5 million job openings, along with free, AI-powered tools to help people get hired faster. These include an AI resume and cover letter builder, personalized interview preparation and coaching, and a job tracker to manage applications, all without subscriptions or paywalls. Over time, the platform plans to incorporate EarnIn's proprietary earnings data to identify opportunities that offer stronger pay and more consistent income. "We started EarnIn to help people control their earnings," said Ram Palaniappan, founder and CEO of EarnIn. "The next phase is helping people get back to earning faster and improving their earnings over time. Through EarnIn's network of millions of connected workers, we have real-time visibility into earnings across employers, jobs and locations. We want to harness this data to help working Americans identify pathways to grow their earnings."

Associated Press
Jun 25th, 2026
EarnIn launches AI-powered jobs platform to help 1M users find work faster

EarnIn has launched Earn Better, a jobs platform integrated into its app to help workers find employment faster following job loss. The platform offers access to over 5 million job openings alongside free AI-powered tools, including resume and cover letter builders, interview coaching and job tracking. The move addresses a significant problem: over 7 million Americans are currently unemployed, with 20 million experiencing involuntary job separations annually. EarnIn sees approximately one million of its customers face income interruptions each year due to job loss. Earn Better operates without subscriptions or paywalls and plans to leverage EarnIn's proprietary earnings data to identify higher-paying opportunities. The platform aims to help workers return to earning quickly whilst improving their long-term income prospects through better job matching.

Yahoo Finance
Mar 11th, 2026
EarnIn surpasses 1M Live Pay transactions as workers shift to real-time income streaming

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.

Strauss Borrelli PLLC
Nov 14th, 2025
EarnIn Data Breach Investigation

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].