Staff Software Engineer (Money Platform)

Staff Backend Engineer

Company: EarnIn
Location: Bengaluru, India (Hybrid - 2 days on-site)

About EarnIn:
EarnIn is a pioneer in earned wage access, providing real-time financial flexibility for individuals 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 are backed by experienced leadership and world-class investors, with a healthy core business and significant runway for growth.

Position Summary:
EarnIn is seeking a Staff Backend Engineer to join the Money Platform team. This team centralizes all financial components into a unified system supporting multiple products. You will work cross-functionally with global teams to build secure, scalable services that enable fast, compliant, and reliable financial operations.

This is a hybrid role based in our Bengaluru office, requiring 2 days on-site. EarnIn offers excellent benefits, including healthcare, internet/cell phone reimbursement, a learning and development stipend, and potential travel opportunities to our Mountain View HQ. Salary ranges are determined by role, level, and location. Visa sponsorship is not provided.

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

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 highly valued.

EarnIn is an equal opportunity employer committed to diversity and inclusion.