Staff Software Engineer (Backend Services)

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 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 a Staff Backend Engineer to join the Core Services team at EarnIn. We are seeking experienced, passionate, and resourceful engineers to join our backend teams. As a backend engineer, you will work cross-functionally with various teams and contribute to the design and development of our backend services.

This position will be hybrid from our Bengaluru office, as part of our expanding site, with 2+ days in the office. EarnIn provides excellent employee benefits, including healthcare, internet/cell phone reimbursement, a learning and development stipend, and opportunities to collaborate with and travel to our Mountain View HQ and Bangkok Site. Our salary ranges are determined by role, level, and location.

WHAT YOU'LL DO

Design and implement scalable, high-quality backend features and REST APIs

Drive end-to-end execution of complex initiatives, from design to production

Maintain and extend test automation to support CI/CD

Mentor engineers and provide guidance through code and architecture reviews

Collaborate with cross-functional teams (Product, Design, Data Science, Marketing)

Debug and resolve production issues across services and infrastructure

Continuously adopt and evaluate new technologies for business impact

WHAT WE'RE LOOKING FOR

7+ years in backend development, with experience in a tech lead role

Bachelor’s/Master’s/PhD in Computer Science or related field, or equivalent experience

Proficient in C#, Kotlin, or Java

Strong experience architecting and optimizing complex, data-driven systems

Proven ability to lead technical strategy, mentor engineers, and drive delivery

Excellent communication skills across distributed teams

Fintech/payments domain experience is a plus

Experience building scalable, cross-functional payment systems is a plus

Experience using AI-assisted development tools (e.g., Copilot, Cursor, LLMs) is a plus

#LI-Hybrid

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