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

As a Senior Product Builder at EarnIn, you’ll help bring our mission to life. EarnIn is making AI-native work a core capability. It’s how we design, build, and ship. The products you own will run in production, making real decisions for real people who depend on EarnIn to access their pay when it matters most. You’ll bring a strong technical foundation to product work: setting product strategy, uncovering new insights, and driving execution on new, zero-to-one initiatives. You’ll partner with engineers, designers, and domain leads, and build the depth to lead new product bets as they come up.

This is a hybrid position at our Mountain View HQ that requires 2 days in the office each week. The Mountain View base salary range for this full-time position is $229,661 to $280,697, plus equity and benefits. Our salary ranges are determined by role, level, and location.

WHAT YOU'LL DO

Own technical product strategy. Define what we build and why, working directly with engineers on architecture, tradeoffs, and AI-enabled product capabilities.
Rethink the product development lifecycle. Challenge each stage, from scoping and design through review, testing, deployment, and monitoring, and replace manual friction with agentic workflows wherever it makes sense. Build evaluation pipelines, automated PR hygiene, deployment gating, and generation-to-merge metrics that make governed AI fast, not slow.
Define quality for AI-powered products. Work with engineering to set benchmarks and quality gates that show whether our AI is working, degrading, or ready to ship, and make results visible and trustworthy across teams.
Graduate pilots to production. Turn what’s working in engineering experiments into something the next team can fork and ship in a week. Build reusable libraries, templates, and reference implementations so no one solves the same problem twice.
Build toward zero-to-one. Learn how EarnIn works, including how to partner with legal and compliance, so you can lead new product initiatives from idea to launch. Stay close to our community. Use user research and data analytics to identify and prioritize product opportunities, and run features and experiments to refine our products quickly.
Lead across functions. Work with a cross-functional team of engineers, designers, researchers, and analysts. Define ambitious OKRs and stretch goals, and monitor the metrics that show product success.