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 seek an experienced, collaborative, and resourceful Senior Backend Engineer to join our team. Our initiatives on the Offers team enable EarnIn’s customers to access a wide variety of products and services to ensure they are empowered with more choices in their path to financial wellness. We seek engineers who are self-driven, have a keen product and impact mindset, and can identify opportunities where building in a scalable, generic manner could be a strong lever for the business. An interesting challenge in this space is matching the right customer to the products they can benefit from, and surfacing them at the right time. Engineers who have previously worked on discovery, browse, search, personalization, or recommendation product experiences would be a great fit. 

This position will ideally be hybrid from our Mexico City office as part of our expanding site, though a remote arrangement is possible. EarnIn provides excellent employee benefits, including healthcare, internet/cell phone reimbursement, a learning and development stipend, and potential opportunities to travel to our Mountain View HQ. Our salary ranges are determined by role, level, and location.

WHAT YOU'LL DO

• Design and implement new features, breaking down complex problems into elegant, scalable, and maintainable solutions.
• Build ML and LLM-powered systems for enabling personalization experiences
• Work on all aspects of an ML system, including data pipelines, model fine-tuning, RAG, as well as inference and serving systems for serving in app personalization experiences. 
• Architect and maintain robust microservice and event-driven messaging patterns (events/queues) to build flexible and extensible systems.
• Collaborate with Product teams to identify the business problem at hand and propose technical solutions, ensuring that ML and backend architecture support rapid product iteration and expansion.
• Ensure scalability and performance by developing services that handle high throughput and real-time transaction processing.
• Proactively identify and mitigate risks to ensure our backend systems remain secure, reliable, and resilient.
• Mentor and guide engineers, providing technical leadership through design reviews, code reviews, and architectural guidance.
• Develop test automation to enable continuous integration and deployment, maintaining high development velocity.
• Debug and troubleshoot production issues, working across multiple stack levels to maintain service stability.
• Work closely with cross-functional teams —including data science, product, analytics, and marketing —to ensure backend services align with business objectives.

WHAT WE'RE LOOKING FOR 

• 3+ years of software engineering experience, with a track record of delivering scalable ML production systems.
• Backend engineer with a strong foundation in large-scale, distributed systems and a passion for applied machine learning.
• Experience designing and deploying LLM-powered product experiences — from model fine-tuning and feature generation to prompt engineering and retrieval-augmented generation (RAG).
• Understanding of ML system design including data pipelines for feature generation, model training and inference, evaluation, and continuous improvement workflows.
• Strong software engineering fundamentals — building reliable, performant APIs and backend infrastructure to support intelligent, real-time product features.
• Familiarity with model measurement, validation, and experimentation frameworks to ensure quality and scalability of ML-driven experiences.
• Comfortable operating across the full ML lifecycle — from prototyping to production deployment and monitoring.
• Collaborative mindset with the ability to partner closely with product, design, data and marketing teams to translate ideas into user-facing impact.
• Proficiency in at least one modern backend programming language, with the ability to adapt to multiple technologies (we work with Java, Kotlin, C#, and Python).
• Strong expertise in SQL databases and additional experience in NoSQL systems are a plus.
• Experience in functional and integration testing, ensuring backend services maintain high reliability.
• Excellent written and verbal communication skills, with the ability to collaborate effectively across teams.

#LI-Hybrid

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.