Staff Software Engineer (Backend Services)

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 a Staff Backend Engineer to join the Core Services team at EarnIn. We are seeking experienced, passionate, and resourceful engineers to join our backend teams. As a backend engineer, you will work cross-functionally with various teams and contribute to the design and development of our backend services. This position will be hybrid from our Bengaluru office, as part of our expanding site, with 2+ days in the office. EarnIn provides excellent employee benefits, including healthcare, internet/cell phone reimbursement, a learning and development stipend, and opportunities to collaborate with and travel to our Mountain View HQ and Bangkok Site. Our salary ranges are determined by role, level, and location. 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 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 a plus Experience using AI-assisted development tools (e.g., Copilot, Cursor, LLMs) is a plus #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.