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

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.