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EarnInEA

Senior Full Stack Engineer

EarnIn is a financial technology company that provides earned wage access services, allowing users to access their pay as they earn it, aiming to improve financial flexibility and reduce reliance on predatory lending.

EarnIn

Employee count: 201-500

Salary: 195k-257k USD

United States only

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About EarnIn

As one of the first pioneers of earned wage access, our passion at EarnIn is building products that deliver real-time financial flexibility for those with the unique needs of living paycheck to paycheck. Our community members access their earnings as they earn them, with options to spend, save, and grow their money without mandatory fees, interest rates, or credit checks.

We’re fortunate to have an incredibly experienced leadership team, combined with world-class funding partners like A16Z, Matrix Partners, DST, Ribbit Capital, and a very healthy core business with a tremendous runway. We’re growing fast and are excited to continue bringing world-class talent onboard to help shape the next chapter of our growth journey.

POSITION SUMMARY

We seek an experienced, collaborative, and resourceful Senior Full Stack Engineer to join our team. Our Early Bets initiatives are critical to EarnIn’s success, providing new experiences and products for our users to empower them with a more comprehensive ecosystem of solutions. We seek engineers who thrive in uncertainty, excel at defining technical solutions in ambiguous environments, and collaborate closely with Product teams to refine requirements. The ideal candidate has experience building 0-to-1 products end-to-end and demonstrates a strong ability to design and implement scalable architectures across the full stack to support rapid product evolution. Candidates with backgrounds in early-stage software products engineered for scale, or who have worked in Research & Development on new technologies, will fit well on our team.

The base salary range for this full-time position is $195,000 – $257,000 plus equity and benefits. Our salary ranges are determined by role, level, and location. This is a remote position though there is the potential to be hybrid.

WHAT YOU'LL DO

  • Partner with Product and Design to define, build, and evolve user experiences across the full stack using modern frontend and backend technologies.
  • Own and evolve both frontend and backend architecture to ensure scalability, performance, accessibility, and long-term maintainability.
  • Lead the design and implementation of complex frontend systems using React, TypeScript, and Next.js, including SSR, routing, data fetching, and performance optimization.
  • Design and build robust backend services and APIs in Python with Django, focusing on reliability, security, and scalability.
  • Establish and uphold full-stack engineering standards, including patterns, tooling, testing strategies, and CI/CD best practices.
  • Drive cross-team technical initiatives, aligning frontend and backend architecture with platform capabilities and product strategy.
  • Proactively identify technical risks and opportunities across the stack, providing clear technical direction and tradeoff analysis.
  • Mentor and guide engineers across frontend and backend disciplines, raising the bar on code quality, architectural thinking, and delivery practices.
  • Design and implement robust unit, integration, and end-to-end automation tests across the full stack.
  • Define and monitor full-stack metrics (performance, reliability, user behavior) to inform product and technical decisions.

WHAT WE'RE LOOKING FOR

  • Bachelor’s (or higher, e.g., MS, or PhD) in Computer Science or a related technical field involving coding, or equivalent technical experience.
  • Strong proficiency in modern frontend development, including HTML, CSS, JavaScript, TypeScript, React, and Next.js.
  • Proficiency in backend development using Python and Django, including RESTful API design, data modeling, and service architecture.
  • Strong experience with frontend architecture, including state management, component design, design systems, and performance optimization.
  • Experience designing and operating backend systems at scale, including databases, caching, queuing, and API integrations.
  • Experience building and operating production applications using both server-side and client-side rendering.
  • Deep understanding of software engineering best practices across the SDLC, including testing, code reviews, observability, and operational excellence.
  • 4+ years of industry experience, with meaningful depth across both frontend and backend development.
  • Experience working in cloud-based environments (AWS, GCP, or Azure), particularly as it relates to full-stack delivery and integration.
  • Experience using AI-assisted development tools (e.g., Copilot, Cursor, LLMs) is a plus.

At EarnIn, we believe that the best way to build a financial system that works for everyday people is by hiring a team that represents our diverse community. Our team is diverse not only in background and experience but also in perspective. We celebrate our diversity and strive to create a culture of belonging. EarnIn does not unlawfully discriminate based on race, color, religion, sex (including pregnancy, childbirth, breastfeeding, or related medical conditions), gender identity, gender expression, national origin, ancestry, citizenship, age, physical or mental disability, legally protected medical condition, family care status, military or veteran status, marital status, registered domestic partner status, sexual orientation, genetic information, or any other basis protected by local, state, or federal laws. EarnIn is an E-Verify participant.

EarnIn does not accept unsolicited resumes from individual recruiters or third-party recruiting agencies in response to job postings. No fee will be paid to third parties who submit unsolicited candidates directly to our hiring managers or HR team.

About the job

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Posted on

Job type

Full Time

Experience level

Salary

Salary: 195k-257k USD

Education

Bachelor degree
Postgraduate degree

Experience

4 years minimum

Experience accepted in place of education

Location requirements

Hiring timezones

United States +/- 0 hours

About EarnIn

Learn more about EarnIn and their company culture.

View company profile

EarnIn, formerly known as Activehours, is a financial technology company founded in 2013 by Ram Palaniappan. The company's mission is to build a more equitable financial system by providing individuals with access to their earned wages before their scheduled payday. This concept, often referred to as Earned Wage Access (EWA), aims to help people manage their finances, avoid overdraft fees, and reduce reliance on high-cost predatory lending products. EarnIn's core product, 'Cash Out', allows users to withdraw a portion of their earned income as they earn it. The service is community-supported, with users having the option to leave a voluntary 'tip' for the service, rather than facing mandatory fees or interest charges.

Headquartered in Palo Alto, California, EarnIn has grown significantly since its inception, facilitating billions of dollars in earned wage access for its members. The company emphasizes its commitment to financial wellness by offering additional tools such as 'Balance Shield', which provides low-balance alerts, and 'Tip Yourself', a feature designed to encourage savings. EarnIn's services are available directly to consumers through its mobile application and also as an employee benefit offered through partnerships with employers across various industries. The company has highlighted its role in helping users save on overdraft fees and manage unexpected expenses. While the 'tipping' model has faced some scrutiny and comparisons to payday lending, EarnIn maintains that its approach is designed to offer a more flexible and affordable financial solution. The company has also expanded its offerings to include services like negotiating medical bills for its users. EarnIn has garnered numerous users and positive app reviews, positioning itself as a key player in the evolving landscape of financial technology and employee financial wellness.

Employee benefits

Learn about the employee benefits and perks provided at EarnIn.

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Parental leave

Provides paid time off for new parents.

Regular offsites for company and teams

Company and team-specific offsite events.

Monthly wellness stipend

A monthly allowance for wellness-related expenses.

Health/vision/dental benefits

Offers health, vision, and dental insurance coverage.

View EarnIn's employee benefits
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EarnIn

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