Staff Mobile 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 We're on a mission to reinvent the financial system and make it work for people. We are seeking passionate and resourceful engineers to join our mobile development teams. You will have the opportunity to make a meaningful impact with your technical contributions and influence how people think about money. As a Staff Mobile Engineer at EarnIn, you will work cross-functionally with various teams and will have the opportunity to contribute to the design and development of our services and both new and legacy products. The US base salary range for this full-time position is $252,000 to $308,000, plus equity and benefits. Our salary ranges are determined by role, level, and location. This hybrid position requires in-person work from our Mountain View HQ 2+ days a week. WHAT YOU'LL DO • Architecture Leadership: Define, evolve, and advocate for a scalable, modular, and maintainable native mobile architecture across iOS and Android. • Hands-On Contribution: Lead by example with code and architecture spikes in both platforms. • Cross-Platform Expertise: Leverage Kotlin Multiplatform (KMP) where it makes sense, guiding the adoption strategy and avoiding the pitfalls of overabstraction. • Collaboration: Partner with multiple product engineering teams to ensure mobile features are implemented with architectural integrity while balancing speed and business outcomes. • Mentorship: Uplift mobile engineers across teams by evangelizing design patterns, clean code practices, testing strategies, and performance optimization. • Multi-Tasking & Context Switching: Drive architecture conversations across several ongoing initiatives simultaneously without losing depth or rigor. • Scalability & Performance: Proactively identify bottlenecks, tech debt, and long-term risks; propose solutions that scale with user growth and product expansion. • Immediate Impact: Jump in quickly to bring clarity, untangle existing architectural challenges, and unlock velocity for ongoing product initiatives. WHAT WE'RE LOOKING FOR • 7+ years of professional experience in native mobile development with deep expertise in both iOS and Android. • Demonstrated track record of delivering large-scale, complex mobile applications used by millions. • Deep knowledge of mobile architecture design patterns (MVC, MVP, MVVM, MVI, Clean Architecture, etc.). • Proficiency in Swift, SwiftUI, Objective-C (legacy), Kotlin, Jetpack Compose, and Java (legacy). • Solid understanding of cross-platform approaches, including KMP (must have some hands-on experience). • Strong grasp of API design, modularization, dependency management, CI/CD, release strategies, and mobile DevOps pipelines. • Experience in influencing and aligning multiple product engineering teams on architecture decisions. • Strong communication and leadership skills; ability to explain complex architecture trade-offs to technical and non-technical stakeholders. • Experience in modernizing legacy codebases and leading significant refactoring efforts is preferred. • Exposure to mobile security best practices and handling of sensitive data is preferred. • Familiarity with mobile analytics, crash reporting, feature flagging, and experimentation platforms preferred. • Experience in fintech, regulated industries, or high-scale consumer applications is a plus. • Experience using AI-assisted development tools (e.g., Copilot, Cursor, LLMs) #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.