Full-Time

Software Engineer

Confirmed live in the last 24 hours

EarnIn

EarnIn

201-500 employees

Provides early wage access without fees

Fintech
Financial Services

Compensation Overview

$169.8k - $207.6kAnnually

+ Equity + Benefits

Mid

Palo Alto, CA, USA

Requires in-person work from Palo Alto HQ office 2-3 days a week.

Category
Backend Engineering
Software Engineering
Required Skills
Kotlin
Kubernetes
MySQL
SQL
Apache Kafka
Java
Postgres
AWS
Scala
Requirements
  • 3+ years of development experience in Software Engineering
  • Bachelor's, Master’s, or PhD degree in computer science, computer engineering, or a related technical discipline or equivalent industry experience.
  • Proficient in at least one JVM programming language such as Java, Kotlin, Scala
  • Hands-on experience working with SQL databases like Postgres or MySQL
  • Hands-on experience with data technologies such as Kafka, AWS SNS/SQS, AWS Kinesis
  • Experience with continuous integration and delivery tools.
  • Experienced in developing and executing functional and integration tests.
  • Excellent written and verbal communication skills.
  • Ability to thrive in a fast-paced, dynamic environment and have a bias towards action and results.
  • Experience with Kubernetes and microservice architecture is a strong plus.
Responsibilities
  • 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
  • Make a meaningful impact in the lives of our community members
  • Collaborate and mentor other 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
  • Care passionately about producing high-quality, efficient designs and code
  • Constantly learning about new technologies and industry standards

Earnin provides a platform that allows individuals to access their earned wages before their official payday. Users can cash out a portion of their earnings without incurring any fees or interest, making it a convenient option for those needing quick funds for emergencies or daily expenses. The app features a "Balance Shield" that helps users maintain their bank account balance by automatically depositing money if it falls below a certain level. Unlike traditional financial institutions, Earnin operates on a unique model where users voluntarily contribute what they feel is fair for the service, fostering a community-driven approach. This model encourages users to support one another, creating a more equitable financial system. Additionally, Earnin includes a "Tip Jar" feature for users to set savings goals, all while ensuring data security through encryption.

Company Stage

Series C

Total Funding

$184.9M

Headquarters

Palo Alto, California

Founded

2012

Growth & Insights
Headcount

6 month growth

8%

1 year growth

22%

2 year growth

66%
Simplify Jobs

Simplify's Take

What believers are saying

  • Earnin has facilitated over $15 billion in earned wages, demonstrating significant user trust and market penetration.
  • Recognition through awards like the Best Payments App and Globee CEO World Awards highlights Earnin's industry leadership and innovation.
  • Strategic hires in legal and cybersecurity positions strengthen Earnin's compliance and data security, crucial for maintaining user trust and regulatory adherence.

What critics are saying

  • Past legal issues, such as the 2019 class action lawsuit for deceitful lending practices, could impact Earnin's reputation and user trust.
  • The voluntary contribution model may not be sustainable long-term if users opt to pay little or nothing for the service.

What makes EarnIn unique

  • Earnin's no-fee, no-interest model for accessing earned wages sets it apart from traditional financial institutions that rely on mandatory fees and interest charges.
  • The community-driven 'pay it forward' approach fosters a sense of mutual support and financial fairness, unlike competitors who do not emphasize community contributions.
  • Earnin's Balance Shield and Tip Jar features provide additional financial security and savings options, enhancing user experience beyond simple wage access.

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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.