Senior Software Engineer

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
Cash Out is the business unit behind how millions of EarnIn community members access their earnings when they need them most. Our backend services power Cash Out around the clock, integrating with EarnIn’s risk, ledger, and repayment platforms to get real money to members over debit card rails, ACH, and RTP. We are looking for an experienced, product-minded, and resourceful senior backend engineer to own the design, development, and operation of these services and the member outcomes they drive.At EarnIn, working with AI is expected, not optional. This is a backend engineering role, not an AI engineering role, but we expect you to use AI-assisted development and agentic workflows (Cursor, Claude, and similar tools) every day to design, build, test, and operate our systems, so you can move much faster and deliver a lot more, while holding a high bar for correctness, review, and safety on systems that move our members’ money. You’ll work across the stack when the member experience calls for it, partner closely with product, design, and data, and take full ownership of what you ship from idea through production.This position is hybrid, based in our Vancouver, BC office, with two days a week required in the office. Candidates must be based in the Vancouver area;
this role is not open to fully remote work. EarnIn offers excellent employee benefits, including healthcare, internet and cell phone reimbursement, a learning and development stipend, and potential opportunities to travel to our Mountain View headquarters. The Vancouver base salary range for this full-time position is CAD 199,800- 244,200 plus equity and benefits. Our salary ranges are determined by role, level, and location.WHAT YOU’LL DO
Drive the end-to-end design and implementation of new Cash Out features. Break down complex problems to their essentials, translate that complexity into elegant design, and write high-quality, maintainable, well-tested code.Design and build highly reliable Cash Out transaction flows on top of EarnIn’s payments and repayment platforms, which move money over debit card networks, ACH, FedNow, and RTP, with idempotent requests, safe handling of payment failures and returns, reconciliation of Cash Out state against platform outcomes, and auditability built in.Use AI-assisted development tools and agentic workflows as your default way of working, from design and coding to testing, code review, debugging, and incident response, to deliver significantly more, faster, while staying accountable for the quality and safety of everything that ships.Work across the stack when the member outcome calls for it, carrying changes from backend services through APIs and into the client experience, in partnership with design, instead of waiting on handoffs.Design and deliver robust REST/gRPC APIs for our client applications and services, and event-driven integrations (e.G., Kafka, SNS/SQS) between backend services with idempotent consumers and well-defined contracts.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.Improve reliability and observability by building monitoring, alerting, dashboards, and runbooks that help us detect and resolve issues before a member’s Cash Out is delayed or fails.Bring a customer-first product mindset: partner with product, design, data science, and analytics to shape what we build, size opportunities, and read out experiments.Mentor other engineers through code, design, and architecture reviews, and share the AI workflows that work.Make a meaningful impact on the lives of our community members.WHAT WE’RE LOOKING FOR
4+ years of software engineering experience, with most of it spent building and operating backend services.A computer science or related degree, or equivalent practical experience. We care about what you’ve built, not where you studied.Proven, hands-on experience using Cursor and Claude (e.G., Claude Code, Claude in Cursor) in your day-to-day engineering work. You’ll be asked to share specific stories about how AI and agentic workflows helped you ship more, faster, including a time you caught and corrected AI output that was wrong, and how you decide when to trust AI output and when to verify it.A track record of using AI to deliver backend and, when needed, full-stack work end to end, not just to generate snippets.Strong product sense and a customer-first mindset. You can point to the member or customer outcomes you moved and how you measured them, through opportunity sizing, experiments, or metrics, not just the features you shipped.An excellent sense of ownership, including supporting live production services through on-call, incidents, and follow-through.Proficient in at least one modern programming language, such as Kotlin, Java, C#, Go, Python, or TypeScript, and able to work in more than one.Hands-on experience with SQL and NoSQL databases (e.G., PostgreSQL, MySQL, DynamoDB) and streaming and messaging technologies (e.G., Kafka, AWS SNS/SQS).Experience working in microservice architectures, with continuous integration and delivery tools, and with developing and executing functional and integration tests.Excellent written and verbal communication skills.A bias toward action and results, and comfort moving quickly and adapting as priorities change.Experience with payments, ledgers, or money movement systems, where correctness and auditability matter, is a plusExperience building web or mobile client experiences (e.G., TypeScript, React, or native mobile) is a plus.Experience with Kubernetes, AWS, and monitoring and observability tools such as Datadog is a plus.Experience helping a team adopt agentic workflows using AI that improved both output and quality is a plus.Experience in fintech or other regulated, security-sensitive environments is a plus.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.Voluntary Self-Identification
For government reporting purposes, we ask candidates to respond to the below self-identification survey.Completion of the form is entirely voluntary. Whatever your decision, it will not be considered in the hiringprocess or thereafter. Any information that you do provide will be recorded and maintained in aconfidential file.As set forth in EarnIn's Equal Employment Opportunity policy,we do not discriminate on the basis of any protected group status under any applicable law.If you believe you belong to any of the categories of protected veterans listed below, please indicate by making the appropriate selection.As a government contractor subject to the Vietnam Era Veterans Readjustment Assistance Act (VEVRAA), we request this information in order to measurethe effectiveness of the outreach and positive recruitment efforts we undertake pursuant to VEVRAA. Classification of protected categoriesis as follows:A "disabled veteran" is one of the following: a veteran of the U.S. military, ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs;
or a person who was discharged or released from active duty because of a service-connected disability.A "recently separated veteran" means any veteran during the three-year period beginning on the date of such veteran's discharge or release from active duty in the U.S. military, ground, naval, or air service.An "active duty wartime or campaign badge veteran" means a veteran who served on active duty in the U.S. military, ground, naval or air service during a war, or in a campaign or expedition for which a campaign badge has been authorized under the laws administered by the Department of Defense.An "Armed forces service medal veteran" means a veteran who, while serving on active duty in the U.S. military, ground, naval or air service, participated in a United States military operation for which an Armed Forces service medal was awarded pursuant to Executive Order 12985.A Note on AI in the Hiring Process
EarnIn may use Artificial Intelligence (AI)-powered tools during the hiring process, including tools that (i) generate summaries or notes for interviewers, (ii) review resumes, (iii) assist with scheduling interviews, (iv) help identify themes across candidate responses and profiles for a given role, and (v) assist with populating the interview scorecard.Final hiring decisions are made by human interviewers and hiring managers.If you have any questions about the use of AI in our hiring process or if you would like to opt out, please follow the "Learn More" link below. Opting out will not negatively affect your candidity or evaluation.
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