---
title: 'Senior Product Builder at EarnIn'
canonical: 'https://feeny.ai/job/senior-product-builder-earnin-mountain-view-faxfnvkhtr6y'
type: 'job'
last_seen: '2026-10-18'
---

# Senior Product Builder at EarnIn

- **Company:** EarnIn
- **Location:** Mountain View, CA
- **Posted:** 2026-10-16
- **Last confirmed live:** 2026-10-18
- **Apply:** https://job-boards.greenhouse.io/earnin/jobs/8261686

## 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

As a Senior Product Builder at EarnIn, you’ll help bring our mission to life. EarnIn is making AI-native work a core capability. It’s how we design, build, and ship. The products you own will run in production, making real decisions for real people who depend on EarnIn to access their pay when it matters most. You’ll bring a strong technical foundation to product work: setting product strategy, uncovering new insights, and driving execution on new, zero-to-one initiatives. You’ll partner with engineers, designers, and domain leads, and build the depth to lead new product bets as they come up.

This is a hybrid position in our Mountain View HQ that requires in-office work 2 days a week. The Mountain View base salary range for this full-time position is $229,661 to $280,697, plus equity and benefits. Our salary ranges are determined by role, level, and location.

## What You'll Do

- Own technical product strategy. Define what we build and why, working directly with engineers on architecture, tradeoffs, and AI-enabled product capabilities.
- Rethink the product development lifecycle. Challenge each stage, from scoping and design through review, testing, deployment, and monitoring, and replace manual friction with agentic workflows wherever it makes sense. Build evaluation pipelines, automated PR hygiene, deployment gating, and generation-to-merge metrics that make governed AI fast, not slow.
- Define quality for AI-powered products. Work with engineering to set the benchmarks and quality gates that tell us whether our AI is working, degrading, or ready to ship, and make results visible and trustworthy across teams.
- Graduate pilots to production. Take what’s working in engineering experiments and turn it into something the next team can fork and ship in a week. Build reusable libraries, templates, and reference implementations so no one solves the same problem twice.
- Build toward zero-to-one. Learn how EarnIn works, including how to partner with legal and compliance, so you can lead new product initiatives from idea to launch. Stay close to our community. Use user research and data analytics to identify and prioritize product opportunities, and run features and experiments to refine our products quickly.
- Lead across functions. Work with a cross-functional team of engineers, designers, researchers, and analysts. Define ambitious OKRs and stretch goals, and monitor the metrics that show product success.
- Communicate the vision. Articulate the product vision, roadmap, and outcomes to internal stakeholders, including the executive team, and build consensus to get new work done.

## What We're Looking For

- 4+ years of relevant industry experience in product management or engineering.
- Bachelor’s, Master’s, or PhD in Computer Science, Computer Engineering, Engineering, Information Systems, or a related field, or equivalent industry experience.
- Hands-on experience with AI native product development lifecycles (PDLC).
- Proficiency and comfort working across the stack when needed
- Strong analytical skills, using data to inform product decisions and drive metrics improvement
- Deep empathy for user needs
- Exceptional communication skills with executive leadership and key stakeholders
- Comfort in a culture of rapid experimentation, and the ability to build alignment across teams and functions
- Creative problem solving for complex challenges

You'll Stand Out If You Have:

- Experience in fintech or regulated, security-sensitive environments, including knowledge of regulatory requirements and best practices
- 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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