Software Engineer (Backend)

EarnIn is a pioneer in earned wage access, focused on providing financial flexibility to those living paycheck to paycheck. The Backend Engineer will join the Growth Engineering team to design scalable backend services that enhance user engagement and drive growth metrics.

Responsibilities

• Design and implement backend features that drive EarnIn’s Growth funnel — from onboarding and cross-sell to retention and engagement
• Build and maintain scalable, event-driven microservices that enable experimentation, real-time personalization, and data-driven decision-making
• Collaborate with Product, Data, and Marketing teams to translate growth hypotheses into technical solutions and run experiments that move key metrics
• Ensure system performance, scalability, and reliability, particularly under high-throughput and real-time conditions
• Develop automation and testing frameworks to maintain velocity and confidence in continuous integration and deployment pipelines
• Debug and resolve production issues, working across multiple service layers to maintain system stability and uptime
• Proactively identify opportunities to generalize solutions, building reusable infrastructure and APIs that accelerate team development
• Partner with mobile, web, and analytics teams to ensure cohesive end-to-end experiences across platforms

Skills

• 1+ years of full-time backend software engineering experience, ideally in distributed or microservice-based systems with a Bachelor's degree or equivalent experience
• Strong fundamentals in service architecture and API design, with experience building reliable, performant systems at scale
• Proficiency in at least one modern backend language, such as Kotlin, Java, C#, or Python, and openness to learning new technologies as needed
• Experience with SQL databases (e.g., PostgreSQL, MySQL) and familiarity with NoSQL systems is a plus
• Familiarity with event-driven patterns (queues, messaging, background jobs) and REST/gRPC services
• Collaborative mindset, with experience working alongside product, data, and design teams to deliver user-facing impact
• Strong testing and debugging skills, with experience maintaining high-quality services in production
• Excellent communication and problem-solving abilities, with a proactive approach to learning and iteration
• Experience with experimentation frameworks, growth systems, or AI-powered personalization tools

Benefits

• Healthcare
• Internet/cell phone reimbursement
• A learning and development stipend
• Potential opportunities to travel to our Mountain View HQ

Company Overview