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 people 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 excited to bring on world-class talent to help shape the next chapter of our growth journey.

EarnIn is becoming an AI-native company, embedding AI agents into how we build, analyze, and operate across every function. Teams use AI Agents to move from ideas to execution faster. By letting agents handle repetitive tasks, our people can focus on judgment, creativity, and hard problems. We pair this experimentation with the strict review and security guardrails our regulated financial environment requires, always keeping a focus on privacy and the people who rely on our products.

As a company, we are becoming AI-native, and we encourage you to use AI tools throughout much of your interview process. If you use AI during the live interview, just say so; a quick, natural mention of how it helped and why you are using it is all we need. What we're evaluating is your judgment, reasoning, and ability to own and defend your work, not whether AI was involved. Some rounds, particularly those focused on your career history and past experiences, will not allow the use of AI, and we'll let you know of those in advance. When in doubt, ask your recruiter or interviewer directly.

POSITION SUMMARY

We are seeking an experienced and visionary Head of Machine Learning to lead and scale our machine learning efforts across the company. As a fintech company where data and machine learning (ML) is integral to both our business strategy and user experience, we depend on robust, scalable systems to drive impactful decisions and deliver exceptional customer value. Our mission is to pioneer success stories through the application of generative AI and state-of-the-art machine learning algorithms, thereby generating transformative business and societal impact.

The Head of ML will drive operational excellence across our machine learning systems by defining and executing a vision that moves models from research to production with strong performance, reliability, and maintainability. The ideal candidate will bring a proven track record of deploying ML models at scale, particularly in fast-paced startup environments. This leader should have a strong coding foundation, deep familiarity with production-grade ML engineering practices, and the ability to bridge theoretical concepts with practical implementation. While the role is primarily strategic and operational, it also requires a willingness to be hands-on and contribute code when needed to support the team and accelerate key initiatives.

The Mountain View base salary range for this full-time position is $477,000 to $583,000, plus equity and benefits. Our salary ranges are determined by role, level, and location. This is a hybrid position in Mountain View, requiring in-office work 2 days a week.

WHAT YOU'LL DO

Define and own the machine learning roadmap in alignment with business goals.
Lead the ML organization, consisting of multiple teams, to design, develop, and optimize ML-based models and systems.
Drive a culture of scientific and engineering rigor and real-world pragmatism in your team's work, particularly to quantify the impact of features on relevant engagement metrics.
Collaborate with software engineers, data engineers, product managers, and marketing to coordinate timely deployments from conception to release

WHAT WE'RE LOOKING FOR

MS or Ph.D. degree in Computer Science, Statistics, or a related technical field, and or equivalent work experience