Senior Software Engineer

OverviewAs one of the first pioneers of earned wage access, EarnIn delivers real-time financial flexibility for people living paycheck to paycheck.

Our community members access their earnings as they earn them, with options to spend, save, and grow money without mandatory fees, interest rates, or credit checks.We're fortunate to have an experienced leadership team and world-class funding partners.

We're growing fast and continuing to bring world-class talent onboard to shape the next chapter of our growth journey.Position SummaryWe're looking for a Senior Backend Engineer (Full Stack Mindset) to join our Core UX Team, which owns the foundational services that drive user-facing experiences across EarnIn's mobile and web platforms.

This role is ideal for someone who thrives at the intersection of product and platform—bringing a backend-first perspective with a strong understanding of user experience needs, and is comfortable operating across service layers, infrastructure, and collaborating with frontend or mobile engineers to ship cohesive features.

You'll be responsible for designing and evolving Kotlin-based services, improving system reliability (including background workflows and queues), and enabling scalable product experiences that millions of members interact with daily.This position requires a hybrid arrangement from our Mexico City office, as part of our expanding site, though a remote arrangement is also possible.

EarnIn provides benefits including healthcare, internet / cell phone reimbursement, a learning and development stipend, and potential opportunities to travel to our Mountain View HQ.

Salary ranges are determined by role, level, and location.What You'll DoDesign, implement, and evolve Kotlin-based backend services that support key user-facing product features.Break down complex product and system requirements into clean, scalable service architectures.Build and maintain asynchronous workflows, including job execution, messaging patterns, and queue-based processing.Contribute to the design and rollout of robust REST / gRPC APIs and data contracts used across mobile and web clients.Collaborate closely with mobile, frontend, product, and design teams to ensure consistency and cohesion across platforms.Own the reliability, observability, and performance of the services you build in production environments.Write well-tested, maintainable code and participate in CI pipelines and automation frameworks.Participate in incident response and root cause analysis to help improve system resilience.Provide technical guidance and mentorship to L3 engineers through design reviews, pair programming, and architecture discussions.Contribute to team-wide planning and influence engineering strategy within the Core UX domain.Actively collaborate across domains, including product, data, finance, and analytics, to align services with real-world business needs.What We're Looking For4+ years of software engineering experience, with a track record of shipping and maintaining backend services.Bachelor's degree or equivalent industry experience.Strong Kotlin experience required, especially in backend systems.Proven experience working in microservice-based architectures and event-driven communication models.Hands-on experience designing and implementing REST / gRPC APIs and messaging workflows.Solid understanding of SQL databases, schema design, and performance optimization.Familiarity with distributed systems, including monitoring, alerting, and failure handling.Experience working with CI / CD pipelines and production deployment practices.Effective communication and collaboration skills across time zones and teams.Experience mentoring other engineers and providing technical leadership.Exposure to frontend or mobile client integration is a plus.Proactive interest in working with AI tools and on AI-driven solutions is a plus.Experience or interest in multiple backend technologies and languages is a plus.At EarnIn, we celebrate diversity and strive for belonging.

EarnIn is an E-Verify participant.

We do 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, sexual orientation, or any other basis protected by law.

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