Senior 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

We are looking for an experienced, passionate, and resourceful backend software engineer to join our Live Pay team. In our team, you’ll work cross-functionally with various teams and contribute to the design and development of key platform services. This person will need to be strong in JVM programming languages and event-driven architecture, in addition to AWS. This is a remote position, though it could also be a hybrid role from our Mexico City office as part of our expanding site. EarnIn offers excellent benefits for our employees, including healthcare, internet and cell phone reimbursement, a learning and development stipend, and potential opportunities to travel to our Mountain View headquarters. Our salary ranges are determined by role, level, and location. We are unable to provide visa sponsorship or immigration support for this position.

WHAT YOU'LL DO

• Drive the design and implementation of new features, break down complex problems into their bare essentials, translate this complexity into elegant design, and create high-quality, maintainable code

• Make a meaningful impact on the lives of our community members

• Create and maintain test automation to enable continuous integration and development velocity

• Design and deliver robust microservices integrations via REST/gRPC APIs and via messaging patterns (events/queues)

• Collaborate and mentor other engineers while providing thoughtful guidance using code, design, and architecture reviews

• Work cross-functionally with other teams, including data science, design, product, marketing, and analytics

• Debug production issues across our services infrastructure and multiple levels of our stack

• Work with distributed systems and services, and care passionately about producing high-quality code

WHAT WE'RE LOOKING FOR

• 4+ 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, or Scala.

• Experience with at least one major framework like Spring or Spring Boot

• Hands-on experience with SQL databases such as PostgreSQL, MySQL, or Oracle; experience with NoSQL databases is a plus

• Hands-on experience working in cloud environments: AWS, GCP, or Azure

• Hands-on experience with streaming and messaging technologies such as Kafka, AWS SNS/SQS, and AWS Kinesis.

• 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.

• Experience using AI-assisted development tools (e.g., Copilot, Cursor, LLMs)

#LI-Remote

A Note on AI in the Hiring Process: EarnIn may use Artificial Intelligence (AI)-powered tools during the hiring process, including tools that generate summaries or notes for interviewers, review resumes, assist with scheduling, or help identify themes across candidate responses and profiles for a given role. Final hiring decisions are made by human interviewers and hiring managers. If you have any concerns about the use of AI in our hiring process, please connect with your recruiter. With your consent, EarnIn may use AI tools to help transcribe or summarize i nterviews. Recordings are treated as confidential candidate data and are accessible only to authorized hiring personnel. Declining to be recorded will not negatively affect your candidacy or evaluation.

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.