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
Money Movement systems are business-critical components of EarnIn's success. We provide millions of customers with access to their money across a variety of payment rails, including debit, RTP, and more, moving billions of dollars annually. Our systems support real-time and scheduled transfers, and let us track outcomes, reconcile discrepancies, and respond to returns, chargebacks, and other events. Because these live services move real money around the clock, reliability matters as much as features. We seek experienced, collaborative, and resourceful senior engineers who have owned always-on production services and take pride in keeping them healthy. As a senior engineer, you will work cross-functionally and contribute to the design, development, and operation of our backend services. At EarnIn, working with AI is expected, not optional. We use AI tools every day to design, build, test, and operate our systems, and we expect our engineers to do the same.

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

WHAT YOU'LL DO

• Drive the design and implementation of new features. Break down complex problems to their essentials, translate that complexity into elegant design, and write high-quality, maintainable code.
• Own the health of the services you build: participate in the team's on-call rotation, respond to alerts and incidents, and drive them through resolution and blameless postmortems.
• Use AI tools in your daily workflow, from design and coding to testing, debugging, and incident response, and help raise the bar for how our team uses AI while staying accountable for the quality and safety of what ships.
• Improve reliability and observability by building monitoring, alerting, dashboards, and runbooks that help us detect and resolve issues before our community feels them.
• Debug production issues across our services infrastructure and multiple levels of our stack.
• Design and deliver robust microservice integrations via REST/gRPC APIs and messaging patterns (events/queues).
• Create and maintain test automation to enable continuous integration and development velocity.
• Collaborate with and mentor other engineers through code, design, and architecture reviews, including coaching teammates on operational readiness.
• Work cross-functionally with data science, design, product, finance, accounting, and analytics.
• Work with distributed systems and care passionately about producing high-quality code.
• Make a meaningful impact on the lives of our community members.

WHAT WE'RE LOOKING FOR

• Proven experience supporting live, production services, including participating in an on-call rotation and responding to incidents under pressure.
• 4+ years of delivering value through software in a collaborative environment.
• Experience working in microservice architectures is required.
• Experience with monitoring and observability tools (e.g., Datadog) and a track record of improving service reliability, such as better alerting, faster recovery, or fewer repeat incidents.
• Hands-on experience using AI coding and productivity tools in your day-to-day engineering work, with good judgment about when to trust their output and when to verify it.
• Proficient in at least one modern programming language and able to understand more than one; we currently work in C#.
• Hands-on experience working with SQL databases.
• Experience with continuous integration and delivery tools.
• Experienced in developing and executing functional and integration tests.
• Excellent written and verbal communication skills, including clear communication during incidents.
• Self-motivated and able to work independently with minimal supervision.
• Experience with financial systems, payments, or ledgers, where correctness and auditability are a plus

#LI-Hybrid #LI-Remote
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.