EarnInEA

Software 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: 153k-187k USD

United States only

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 are looking for an experienced, passionate, and resourceful backend software engineer to join our Engineering team. In our team, you’ll work cross-functionally with various teams and contribute to the design and development of key services. This person will need to be strong coding and design.

The base salary range for this full-time position is $152,800 - $186,800 + equity + benefits. Our salary ranges are determined by role, level, and location.

WHAT YOU'LL DO

  • 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 with other engineers from many different teams
  • Care passionately about producing high-quality, efficient designs and code
  • Constantly learning about new technologies and industry standards.

WHAT WE'RE LOOKING FOR

  • 3+ years of development experience in Software Engineering
  • Bachelor's, Master’s, or PhD in computer science, computer engineering, or a related technical discipline, or equivalent industry experience.
  • Proficient in at least one modern programming language
  • Experience with continuous integration and delivery tools.
  • Excellent written and verbal communication skills.
  • Ability to thrive in a fast-paced, dynamic environment and be biased towards action and results.
  • Experience with Kubernetes and microservice architecture is a strong 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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Job type

Full Time

Experience level

Entry-level
Mid-level
Senior

Salary

Salary: 153k-187k USD

Location requirements

Hiring timezones

United States +/- 0 hours

About EarnIn

Learn more about EarnIn and their company culture.

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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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