---
title: 'Product Manager I at EarnIn'
canonical: 'https://feeny.ai/job/product-manager-i-earnin-bengaluru-k9qz1e8s3a9j'
type: 'job'
last_seen: '2026-11-08'
---

# Product Manager I at EarnIn

- **Company:** EarnIn
- **Location:** Bengaluru, India
- **Posted:** 2026-11-06
- **Last confirmed live:** 2026-11-08
- **Apply:** https://job-boards.greenhouse.io/earnin/jobs/8359971

## 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 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 becoming an AI-native company, embedding AI agents into how we build, analyze, and operate across every function. Teams use AI Agents to move from ideas to execution faster. By letting agents handle repetitive tasks, our people can focus on judgment, creativity, and hard problems. We pair this experimentation with the strict review and security guardrails our regulated financial environment requires, always keeping a focus on privacy and the people who rely on our products.

As a company, we are becoming AI-native, 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

EarnIn is seeking a dedicated Product Manager to support our core Customer Care platform (Kustomer). Under guidance from product leadership, you will assist in transitioning our care organization from a legacy Zendesk setup to a modern, integrated ecosystem. This role helps define how internal care tools, routing workflows, and backend data features help frontline agents deliver efficient service.

Operating as an Individual Contributor (IC), you will execute independently in your area. Your objective is to help identify operational friction, support feature specifications, and facilitate connecting Kustomer with internal systems. By executing on dedicated product care initiatives, you will learn and apply team workflows, gather customer/agent feedback, and contribute to clear specifications for feature updates within a defined scope.

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 depend on role, level, and location.

## WHAT YOU'LL DO

1. Care Platform Strategy & Lifecycle Ownership

- Backlog Support: Help organize and refine task specifications and feature requests for Kustomer under the lead product manager's direction.
- Friction Identification: Gather insights and agent feedback from daily workflows to surface pain points and recommend minor process improvements.
- Feature Execution: Write clear specs for minor features and workflow improvements to help reduce handle time and assist frontline agents.

1. Systems Integration & Shared Context Layer

- Data & Spec Drafting: Assist senior PMs in gathering data requirements so Kustomer can properly ingest basic member details from internal tooling.
- Cross-Team Collaboration: Collaborate with immediate team members, design, and engineering to clarify feature requirements and task details.
- Technical Alignment: Learn the technology domain and ask clarifying questions to help track project updates and deliver defined feature tasks.

1. Automated Resolution & Frontline Efficiency

- Workflow Support: Support initiatives that simplify agent tasks and reduce manual data lookup.
- Escalation Pathways: Assist in documenting and monitoring chatbot-to-agent handoff flows within defined parameters.
- Experiment & Data Analysis: Use basic analytics tools to analyze project results post-launch and support feedback loops.

1. Launch Readiness & Operational Governance

- Team Alignment: Maintain clear communication and routine status updates with your manager, immediate team, and key partners.
- Testing & Launch Readiness: Assist with user acceptance testing (UAT) and feature validation to ensure quality releases.
- Feedback & Continuous Learning: Seek actionable feedback from teammates, learn from mistakes, and apply learnings to future tasks.

## WHAT WE'RE LOOKING FOR

- 6 months of Product Management experience
- A Bachelor's+ degree in a relevant technical or business field (e.g., Computer Science, Engineering, or Economics).
- Experience using various AI tools (Claude, Cursor, etc.) to enhance, automate, and improve your work
- Strong analytical skills
- Able to come into our Bengaluru office 2 days a week
- A problem-solver eager to untangle complex, legacy systems and translate them into elegant, high-performance functional requirements.
- Excellent organizational and time management skills.
- Effective communication (spoken and written) and interpersonal skills to work collaboratively with Product, Engineering, and Care Operations teams.
- Familiarity with API-driven architectures and experience evaluating external vendor solutions - an advantage.
- Strong problem-solving mindset with good attention to detail
- Strong communication skills and the ability to work effectively in a team environment

-

#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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