Staff Software Engineer

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

The Cashout Team at EarnIn leads the development and management of the company’s flagship product, enabling early access to earned wages while contributing significantly to overall revenue. Handling billions of dollars in transactions annually, the team oversees the entire cashout lifecycle and drives innovation in key monetization features to enhance functionality and user experience. The Palo Alto base salary range for this full-time position is $252,000 - $308,000 plus equity and benefits. Our salary ranges are determined by role, level, and location. This hybrid position in Palo Alto will require in-office work 2 days a week.

WHAT YOU'LL DO

• Design & implement features robust enough for our exploding scale.
• Drive the implementation of new features - break down complex problems into their bare essentials, translate this complexity into elegant design, and create high-quality, maintainable code.
• Create and maintain test automation to enable continuous integration and development velocity.
• Design and implement highly reliable financial transaction systems that integrate deeply with money movement technologies (think debit card rails, ACH, RTP etc).
• Design & deliver robust microservice integrations via REST/gRPC APIs using various communication, consistency, and coordination strategies.
• Collaborate with and mentor other engineers while providing thoughtful guidance using code, design, and architecture reviews.
• Work cross-functionally with other teams (data science, design, product, marketing, analytics).
• Participate in hiring and onboarding for new team members.
• Lead cross-team engineering initiatives working with other teams, including data science, design, product, marketing, and analytics
• Provide and receive design and implementation evaluations and improve per iteration.
• Debug production issues across our services infrastructure and multiple levels of our stack.
• Work with distributed systems and care passionately about producing high-quality designs and code
• Assist with opportunity sizing and experiment readouts.

WHAT WE'RE LOOKING FOR 

• 7+ years of delivering value through software in a collaborative environment.
• Expertise in trade-off analysis for distributed architectures.
• 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 such as C#, Kotlin, Java, JavaScript, Python, Go, and Scala.
• Hands-on experience working with various databases (DynamoDB, MySql, ElasticSearch) and data technologies (Kafka, Databricks, etc.).
• Experience with continuous integration and delivery tools.
• Experienced in developing and executing functional and integration tests.
• Excellent written and verbal communication skills
• 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.

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