---
title: 'AI Builder at EarnIn'
canonical: 'https://feeny.ai/job/ai-builder-earnin-mountain-view-pkykx1psj2f1'
type: 'job'
last_seen: '2026-09-06'
---

# AI Builder at EarnIn

- **Company:** EarnIn
- **Location:** Mountain View, CA
- **Posted:** 2026-06-18
- **Last confirmed live:** 2026-09-06
- **Apply:** https://job-boards.greenhouse.io/earnin/jobs/8013281

## 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 operations a core capability — not an initiative, but how our business functions are designed, run, and scaled. We're not hiring someone who dabbles in AI. We're hiring an AI builder who looks at every internal workflow and asks: how could an agent help humans do this better? You will build the agents, automations, and integrations that power how we hire, develop, and scale EarnIn's people and operations. The tools and automations you build will run in production, making real decisions for the teams that keep EarnIn operating — so the community we serve can access their pay when it matters most.

This is not a prompt engineering role. It is not a tools administrator role. You are a builder. 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. We are unable to provide visa sponsorship or immigration support for this position.

## WHAT YOU'LL DO

- Agent development:  Build and deploy agents that automate high-volume People and Operations workflows — approvals, reporting, intake, reconciliation
- Recruiting automation and analytics:  Automate screening, scheduling, and pipeline workflows so recruiters spend time on humans, not process; build reporting and AI-powered insights that surface real-time visibility into velocity, quality, cost, and other key recruiting metrics
- Internal tooling:  Create lightweight internal apps that replace manual spreadsheet and email-based processes
- Safe AI patterns:  Establish guardrails and review loops that keep automated decisions auditable and compliant

## WHAT WE'RE LOOKING FOR

- 3+ years of full-time software engineering experience.
- Bachelor's degree in computer science, computer engineering, or a related technical discipline or equivalent industry experience.
- 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 can translate complex technical systems into clear, practical solutions for non-technical stakeholders and communicate clearly on deliverables
- You are thoughtful about privacy, governance, and responsible AI, especially in an HR context where data is sensitive.
- Experience using AI-assisted development tools (e.g., GitHub Copilot, Cursor, ChatGPT, or similar tools) as part of your software development workflow?
- Familiarity with HR and other key operations systems (Workday, Greenhouse, or similar) is a plus, not a requirement

#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)

## Other roles at EarnIn

- [People Programs, Strategy, & Operations Director](https://feeny.ai/job/people-programs-strategy-operations-director-earnin-united-states-q4ct2j32qqhq) — United States
- [Senior Data Platform Engineer](https://feeny.ai/job/senior-data-platform-engineer-earnin-bengaluru-ff26v2bfahcn) — Bengaluru, India
- [AI Builder](https://feeny.ai/job/ai-builder-earnin-mountain-view-0dz25xwepa0f) — Mountain View, CA
- [Senior Mobile Engineer (Android)](https://feeny.ai/job/senior-mobile-engineer-android-earnin-canada-14ezqbcpx9yj) — Canada
- [Senior Front End Engineer](https://feeny.ai/job/senior-front-end-engineer-earnin-vancouver-pv9k2xa6n9fx) — Vancouver, Canada
- [Senior Staff Software Engineer](https://feeny.ai/job/senior-staff-software-engineer-earnin-mountain-view-a5cvwww364xt) — Mountain View, CA
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