Senior Software Engineer at Earnin

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 EarnIn is looking for an experienced, collaborative, and resourceful engineer to join our Trust Engineering team in Mexico. You will work cross-functionally with teams across the company and contribute to the design, development, and operation of the foundational services that power customer trust at EarnIn - identity verification (KYC), PII tokenization, secure file handling, and user deduplication. These capabilities are consumed by every product that onboards a user, handles sensitive data, or accepts a document, so your work will compound across the company. This is a remote position, though it could also be a hybrid role from our Mexico City office as part of our expanding site. EarnIn offers excellent benefits for our employees, including healthcare, internet and cell phone reimbursement, a learning and development stipend, and potential opportunities to travel to our Mountain View headquarters. Our salary ranges are determined by role, level, and location. We are unable to provide visa sponsorship or immigration support for this position. WHAT YOU'LL DO • Feature Development Across Trust Domains: Plan, design, and ship features across the team's core services - KYC and identity verification, PII tokenization and the data vault, secure file ingest and scanning, and user deduplication. Break down complex problems, produce clean designs, and deliver maintainable, high-quality code. • Own a Focus Area End to End: Take primary responsibility for a defined slice of Trust's surface area, calibrated with your manager based on team needs at the time of joining, driving design, implementation, rollout, and ongoing operations. • System Design and Architecture: Make sound architectural decisions for backend services that must meet regulatory, security, and scalability requirements. Serve as a design reviewer for peers, weighing tradeoffs and helping the team converge on durable solutions. • Cross-Team Integration: Partner with product and engineering teams onboarding to KYC, tokenization, filevaulting, and deduplication. Clearly communicate changes, write durable documentation, and run integration conversations so consumers can adopt Trust capabilities smoothly. • Operational Excellence: Join the on-call rotation after onboarding. Contribute to observability, runbooks, and incident response so Trust services remain dependable for the teams that build on them. • Collaboration and Mentorship: Review code, designs, and architecture thoughtfully. Foster a culture of continuous learning, and grow into tech lead responsibilities on multi-engineer initiatives over time. WHAT WE'RE LOOKING FOR • 4+ years of software development experience, with a track record of owning projects end-to-end - from problem definition through design, implementation, rollout, and production operation. • Strong design instincts for backend systems. Comfortable weighing tradeoffs and serving as a design reviewer for peers. • Strong RESTful API design experience and comfort with SQL and NoSQL data stores. • Cross-Team Technical Communication: Excellent written and verbal communication. • Because this role's work is consumed by other teams, the ability to clearly explain changes, write documentation that ages well, and run integration conversations is core to the job. • AI-Augmented Engineering: Productive working with AI tooling - fluent enough that programming language boundaries (Go, Kotlin, Java, C#, Python) do not slow you down. Depth of engineering experience matters more than a specific language, though production Go experience is a strong plus and will reduce ramp time on Trust services. • Experience using AI-assisted development tools (e.g., GitHub Copilot, Cursor, ChatGPT, or similar tools) as part of your software development workflow? • Security, Privacy, or Compliance Adjacent Experience: Background in KYC, PII handling, fraud, encryption, tokenization, or related regulated domains. • Familiarity with FinTech 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 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.