Senior Software Engineer

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.

• Feature Development Across Trust Domains: Plan, design, and ship features across the team's core services - KYC and identity verification, PII tokenization and the data vault, secure file ingest and scanning, and user deduplication. Break down complex problems, produce clean designs, and deliver maintainable, high-quality code.
• Own a Focus Area End to End: Take primary responsibility for a defined slice of Trust's surface area, calibrated with your manager based on team needs at the time of joining, driving design, implementation, rollout, and ongoing operations.
• System Design and Architecture: Make sound architectural decisions for backend services that must meet regulatory, security, and scalability requirements. Serve as a design reviewer for peers, weighing tradeoffs and helping the team converge on durable solutions.
• Cross-Team Integration: Partner with product and engineering teams onboarding to KYC, tokenization, filevaulting, and deduplication. Clearly communicate changes, write durable documentation, and run integration conversations so consumers can adopt Trust capabilities smoothly.
• Operational Excellence: Join the on-call rotation after onboarding. Contribute to observability, runbooks, and incident response so Trust services remain dependable for the teams that build on them.
• Collaboration and Mentorship: Review code, designs, and architecture thoughtfully. Foster a culture of continuous learning, and grow into tech lead responsibilities on multi-engineer initiatives over time.

• 4+ years of software development experience, with a track record of owning projects end-to-end - from problem definition through design, implementation, rollout, and production operation.
• Strong design instincts for backend systems. Comfortable weighing tradeoffs and serving as a design reviewer for peers. 
• Strong RESTful API design experience and comfort with SQL and NoSQL data stores.
• Cross-Team Technical Communication: Excellent written and verbal communication.
  • Because this role's work is consumed by other teams, the ability to clearly explain changes, write documentation that ages well, and run integration conversations is core to the job.
• AI-Augmented Engineering: Productive working with AI tooling - fluent enough that programming language boundaries (Go, Kotlin, Java, C#, Python) do not slow you down. Depth of engineering experience matters more than a specific language, though production Go experience is a strong plus and will reduce ramp time on Trust services.
• Experience using AI-assisted development tools (e.g., GitHub Copilot, Cursor, ChatGPT, or similar tools) as part of your software development workflow?
• Security, Privacy, or Compliance Adjacent Experience: Background in KYC, PII handling, fraud, encryption, tokenization, or related regulated domains.
• Familiarity with FinTech is a plus.

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