Senior Full-Stack Engineer

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 looking for an experienced, collaborative, and resourceful Senior Full Stack Engineer to join our team. Our Early Bets initiatives are critical to EarnIn’s success, providing new experiences and products for our users to ensure they are empowered with a more comprehensive ecosystem of solutions. We seek engineers who thrive in uncertainty and excel at defining technical solutions in ambiguous environments and collaborating closely with Product teams to refine requirements. The ideal candidate has experience building 0-to-1 products end-to-end, demonstrating a strong ability to design and implement scalable architectures across the full stack that support rapid product evolution. Candidates with backgrounds in early-stage software products engineered for scale or those who have worked in Research & Development for new technologies will fit well in our team. The base salary range for this full-time position is $195,821 – $279,825 plus equity and benefits. Our salary ranges are determined by role, level, and location. This is a remote role in the US, however those local to Mountain View (headquarters) will require in-office work 2 days a week. What You’ll Do Partner with Product and Design to define, build, and evolve user experiences across the full stack using modern frontend and backend technologies. Own and evolve both frontend and backend architecture to ensure scalability, performance, accessibility, and long-term maintainability. Lead the design and implementation of complex frontend systems using React, TypeScript, and Next.js, including SSR, routing, data fetching, and performance optimization. Design and build robust backend services and APIs using Python and Django, with a focus on reliability, security, and scale. Establish and uphold full stack engineering standards, including patterns, tooling, testing strategies, and CI/CD best practices. Drive cross-team technical initiatives, aligning frontend and backend architecture with platform capabilities and product strategy. Proactively identify technical risks and opportunities across the stack, providing clear technical direction and tradeoff analysis. Mentor and guide engineers across frontend and backend disciplines, raising the bar on code quality, architectural thinking, and delivery practices. Design and implement robust unit, integration, and end-to-end automation tests across the full stack. Define and monitor full stack metrics (performance, reliability, user behavior) to inform product and technical decisions. What We’re Looking For Bachelor’s (or higher, e.g., MS, or PhD) in Computer Science or a relatedtechnical field involving coding, or equivalent technical experience. Strong proficiency in modern frontend development, including HTML, CSS, JavaScript, TypeScript, React, and Next.js. Proficiency in backend development using Python and Django, including RESTful, API design, data modeling, and service architecture. Strong experience with frontend architecture, including state management, component design, design systems, and performance optimization. Experience designing and operating backend systems at scale, including databases, caching, queuing, and API integrations. Experience building and operating production applications using both server-side and client-side rendering. Deep understanding of software engineering best practices across the SDLC, including testing, code reviews, observability, and operational excellence. 4+ years of industry experience, with meaningful depth across both frontend and backend development. Experience working in cloud-based environments (AWS, GCP, or Azure), particularly as it relates to full stack delivery and integration. Experience using AI-assisted development tools (e.g., Copilot, Cursor, LLMs) #LI-Remote 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.