earnin · Vancouver, Canada
Skills: Java, Kotlin, SQL, Docker
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 people 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 excited to bring on world-class talent to help shape the next chapter of our growth journey. EarnIn is an AI-first company, and we encourage you to use AI tools throughout much of your interview process. If you use AI during the live interview, just say so; a quick, natural mention of how it helped and why you are using it is all we need. What we're evaluating is your judgment, reasoning, and ability to own and defend your work, not whether AI was involved. Some rounds, particularly those focused on your career history and past experiences, will not allow the use of AI, and we'll let you know of those in advance. When in doubt, ask your recruiter or interviewer directly. POSITION SUMMARY We’re looking for an exceptional Senior Staff Software Engineer to serve as the L0 Architect for Live Pay, the product that powers the EarnIn Card. As the team’s lead architect, you’ll own the technical vision and architectural integrity of the systems behind the card. These include integration with the core card platform, issuing bank partners, and Visa. They also include real-time transaction authorization, ledgering, card funding and balance management, settlement and reconciliation, and credit reporting. You’ll also own the backend architecture that supports the in-app card experience, including onboarding, post-onboarding, and card management. You’ll operate at both deep technical and…
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