Senior Full-Stack 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 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 We're looking for an experienced, collaborative, and resourceful Senior Full Stack Engineer to join our team. Our Early Bets initiatives are critical to EarnIn’s success, providing new experiences and products for our users to ensure they are empowered with a more comprehensive ecosystem of solutions. We seek engineers who thrive in uncertainty and excel at defining technical solutions in ambiguous environments and collaborating closely with Product teams to refine requirements. The ideal candidate has experience building 0-to-1 products end-to-end, demonstrating a strong ability to design and implement scalable architectures across the full stack that support rapid product evolution. Candidates with backgrounds in early-stage software products engineered for scale or those who have worked in Research & Development for new technologies willfit well in our team. The base salary range for this full-time position is $195,821 – $279,825 plus equity and benefits. Our salary ranges are determined by role, level, and location. This is a remote role in the US, however those local to Mountain View (headquarters) will require in-office work 2 days a week. What You’ll Do Partner with Product and Design to define, build, and evolve user experiencesacross the full stack using modern frontend and backend technologies. Own and evolve both frontend and backend architecture to ensure scalability,performance, accessibility, and long-term maintainability. Lead the design and implementation of complex frontend systems using React,TypeScript, and Next.js, including SSR, routing, data fetching, and performanceoptimization. Design and build robust backend services and APIs using Python and Django,with a focus on reliability, security, and scale. Establish and uphold full stack engineering standards, including patterns, tooling,testing strategies, and CI/CD best practices. Drive cross-team technical initiatives, aligning frontend and backend architecturewith platform capabilities and product strategy. Proactively identify technical risks and opportunities across the stack, providingclear technical direction and tradeoff analysis. Mentor and guide engineers across frontend and backend disciplines, raising thebar on code quality, architectural thinking, and delivery practices. Design and implement robust unit, integration, and end-to-end automation testsacross the full stack. Define and monitor full stack metrics (performance, reliability, user behavior) toinform product and technical decisions. What We’re Looking For Bachelor’s (or higher, e.g., MS, or PhD) in Computer Science or a relatedtechnical field involving coding, or equivalent technical experience. Proficiency in backend development using Python and Django, including RESTful,API design, data modeling, and service architecture. Strong experience with frontend architecture, including state management,component design, design systems, and performance optimization. Experience designing and operating backend systems at scale, includingdatabases, caching, queuing, and API integrations. Experience building and operating production applications using both server-sideand client-side rendering. Deep understanding of software engineering best practices across the SDLC,including testing, code reviews, observability, and operational excellence. 4+ years of industry experience, with meaningful depth across both frontend andbackend development. Experience working in cloud-based environments (AWS, GCP, or Azure),particularly as it relates to full stack delivery and integration. Experience using AI-assisted development tools (e.g., Copilot, Cursor, LLMs) 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 candidacy or evaluation. #J-18808-Ljbffr EarnIn