---
title: 'AI Builder at EarnIn'
canonical: 'https://feeny.ai/job/ai-builder-earnin-mountain-view-0dz25xwepa0f'
type: 'job'
last_seen: '2026-09-06'
---

# AI Builder at EarnIn

- **Company:** EarnIn
- **Location:** Mountain View, CA
- **Posted:** 2026-08-31
- **Last confirmed live:** 2026-09-06
- **Apply:** https://job-boards.greenhouse.io/earnin/jobs/8167727

## Job description

## 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

EarnIn is making AI-native engineering a core capability — not an initiative, but how we design, build, and ship. We're not hiring a software engineer who dabbles in AI. We're hiring an AI builder who also writes great software — someone who looks at every step of how we design, build, test, and ship, and asks: why isn't an agent doing this? This is not a side project. The agents and harnesses you build here will run in production, making real decisions for real people — people who depend on EarnIn to access their pay when it matters most. If that bar excites you rather than intimidates you, keep reading.

You'll work at the intersection of platform engineering, developer experience, and applied AI — partnering with architects, domain leads, and product engineers to build the tools, patterns, and guardrails that make AI adoption fast, safe, and durable. The Mountain View base salary range for this full-time position is $189,000 - $231,000, plus equity and benefits. Our salary ranges are determined by role, level, and location. This is a hybrid position in Mountain View that requires in-office work 2 days a week.

## WHAT YOU'LL DO

Agents that take real actions. You'll design how agents think — prompts, reasoning chains, tool calls, and the full architecture beneath them. From MCP servers and agent scaffolding to context harnesses and a Skills Marketplace, you're building the layer every squad at EarnIn builds on. Not a proof of concept. Production infrastructure.

A PDLC that doesn't look like 2022. The product development lifecycle is overdue for a rethink. You'll challenge each stage — from scoping and design through to review, testing, deployment, and monitoring — and replace manual friction with agentic workflows wherever it makes sense. Evaluation pipelines, automated PR hygiene, deployment gating, generation-to-merge metrics: you'll build the scaffolding that makes governed AI fast, not slow.

Evals that actually mean something. You'll own the evaluation infrastructure — building the pipelines, benchmarks, and quality gates that tell us whether our AI is working, degrading, or ready to ship. That means designing eval harnesses for AI-assisted workflows, setting generation-to-merge and review latency baselines, and making model quality visible and trustworthy across teams. If you've built evals that caught real problems before they hit production, you'll fit right in.

Pilots that graduate to production. EarnIn's engineering leads are running experiments. You'll take what's working and turn it into something the next team can fork and ship in a week. Less "interesting prototype," more "thing we rely on." You’ll build reusable libraries, templates, and reference implementations that give squads a running start on AI integration, so no one has to solve the same problem twice

## WHAT SUCCESS LOOKS LIKE

- Teams across engineering can ship AI-assisted features faster, with fewer rework loops
- The harnesses you build are actively used and well-documented
- AI pilot quality and safety metrics are visible, trustworthy, and improving

## WHAT WE'RE LOOKING FOR

- 3+ years of full-time software engineering experience, with at least 2 years building tooling, platforms, or internal developer products
- Bachelor’s, Master’s, or PhD in Computer Science, Computer Engineering, or a related technical discipline, or equivalent industry experience. We care about what you’ve built, not where you studied.
- Hands-on experience with LLM integration patterns — prompt engineering, RAG pipelines, tool/function calling, and agent architectures
- Proficiency and comfort working across the stack when needed
- Experience with MCP, LangChain, or comparable orchestration frameworks
- Experience with open source LLM models
- Strong opinions about developer experience and a track record of building things other engineers actually use

## YOU'LL STAND OUT IF YOU HAVE

- Hands-on experience with reinforcement learning — especially RLHF, RLAIF, or reward modeling in applied product contexts
- Experience in fintech or regulated/security-sensitive environments
- Hands-on work with AI governance — bias evaluation, audit logging, model cards
- Exposure to multi-step reasoning pipelines or human-in-the-loop system design

#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.

## About EarnIn

## Company Overview
- **One-liner**: EarnIn is a financial technology company that pioneered earned wage access, allowing people to access their pay as they earn it without mandatory fees, interest, or credit checks.
- **Entity Type**: Private (Series C, $415.1M total funding)
- **Headquarters**: Mountain View, California, United States
- **Founded**: 2012 (launched app in May 2014)
- **Founders**: Ram Palaniappan (CEO)

## Core Business
- **Primary industry**: Financial Services / Fintech (Earned Wage Access)
- **Target customers**: B2C (individuals living paycheck to paycheck) and B2B (employers via payroll integration)
- **Mission**: To make financial momentum accessible to everyone

## Products & Services
- **EarnIn Cash (formerly EarnIn)**: The core product allowing users to access up to $750 per pay period of their earned wages instantly, with no mandatory fees, no interest, and no credit check. Transfers typically take 1–2 business days, with an option for expedited transfers for a small fee.
- **Balance Shield**: An alert system that notifies users when their bank account balance is low, helping them avoid overdraft fees.
- **Credit Monitoring**: Free credit report monitoring service, launched as the first EWA provider to offer this.
- **Live Pay**: A real-time payroll integration product that allows employees to access wages as they are earned, directly through their employer.
- **EarnIn Payroll**: A B2B payroll service offering earned wage access as an employer benefit.

## Market Standing
- **Valuation/Market Cap**: Not publicly disclosed (private company)
- **Key Metric**: $415.1M in total funding; $85M annual revenue (LinkedIn estimate)
- **Notable Investors**: Andreessen Horowitz, Matrix Partners, DST Global, Spark Capital, Ribbit Capital, Felicis, Mitsubishi UFJ Financial Group
- **Growth Signals**: 463 employees (+17.5% YoY), operates in 14 countries, 202,933 LinkedIn followers (+9.5% YoY), winner of Inc. Magazine's 2023 Best In Business Award in Economic/Financial Equity

## Competitive Advantages
- **First-mover in EWA**: One of the earliest pioneers of earned wage access, giving them brand recognition and regulatory experience.
- **No mandatory fees model**: Differentiates from payday lenders and other fintechs by not charging interest, mandatory fees, or requiring credit checks.
- **Strong investor backing**: Backed by top-tier VCs (Andreessen Horowitz, Matrix, DST, Spark Capital) and a recent $75M debt facility from Mitsubishi UFJ Financial Group, signaling financial stability.
- **Healthy core business**: Described as having a "very healthy core business with a tremendous runway" by leadership.
- **Multi-product ecosystem**: Expanded beyond EWA into credit monitoring, savings, bill reminders, and payroll services, creating a sticky user base.

## Strategic Focus
- **International expansion**: Operating in 14 countries with engineering hubs in Mexico City, Bangalore, Vancouver, and Bangkok.
- **AI and Machine Learning**: Actively hiring for Head of Machine Learning, AI Builder, and Gen AI Software Engineer roles, indicating a push toward AI-powered financial products.
- **B2B growth**: Expanding EarnIn Payroll and Live Pay as employer-integrated solutions to drive enterprise adoption.
- **Product diversification**: Moving beyond core EWA into credit monitoring, savings tools, and broader financial wellness.

## Why Work Here
- **Culture**: Values include "Customer First," "Collaborative," "Creating Impact," and "Inventive." Strong emphasis on diversity and belonging with 6 active Employee Resource Groups (ERGs).
- **Work model**: Remote and hybrid teams across 14 countries, with hubs in Mountain View (HQ), Mexico City, Bangalore, Vancouver, and Bangkok.
- **Benefits**: Competitive medical/dental/vision, 401(K) and FSA plans, generous PTO, wellness funds, parental and caregiver leave, annual stipend for education and training, mentoring program.
- **Engineering culture**: Described as having "world-class talent" with a focus on building products that deliver real-time financial flexibility. Strong technical team with roles spanning ML, AI, DevOps, mobile, and platform engineering.
- **Growth trajectory**: 17.5% YoY headcount growth, operating in 14 countries, with a "very healthy core business" and "tremendous runway" according to leadership.
- **Employer rating**: 4.2/5 on LinkedIn, with compensation rated 4.3/5.

## Sources
1. [earnin.com](https://www.earnin.com/)
2. [earnin.com/careers](https://www.earnin.com/careers)
3. [boards.greenhouse.io/earnin](https://boards.greenhouse.io/earnin)
4. [linkedin.com/company/earnin](https://www.linkedin.com/company/earnin)
5. [earnin.com/press](https://www.earnin.com/press)

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