Earnin

Machine Learning Engineer

Earnin • $227K — $277K *
Information Technology
Less than 5 years of experience
Job Overview by Ladders

Qualifications

  • 3+ years of software engineering experience
  • Bachelor's degree or equivalent industry experience
  • Strong foundation in software engineering and system design
  • Proven ability to write reliable and maintainable code
  • Proactive problem identification and initiative-taking
  • Curiosity and a growth mindset
  • Excitement about GenAI and AI-assisted software development, with hands-on experience preferred
  • Familiarity with AI-assisted development tools like Copilot and Cursor is a plus

Responsibilities

  • Build and ship agent-driven chatbot and GenAI workflows that impact customers
  • Own features from definition to implementation and evaluation
  • Work hands-on with modern AI development tools
  • Collaborate with product, ML, and engineering teams in a fast-paced environment
  • Explore and improve AI development processes continuously

Benefits

  • Equity options
  • Hybrid work model requiring in-office presence 2 days a week
  • Opportunities for professional growth and learning
  • Collaborative and ownership-driven company culture
Full Job Description
WHAT WE'RE LOOKING FOR

EarnIn is building the next generation of AI-powered experiences that help millions of people access their pay and improve their financial well-being. We're looking for a self-driven engineer eager to grow, learn quickly, and expand their impact by building high-quality systems and agent-driven GenAI workflows. This role is for a builder who is ready to move beyond foundational work and take significant ownership. We are looking for someone who takes initiative, deeply values craft, and is eager to push the boundaries of how engineers collaborate with AI agents.

The Mountain View base salary range for this full-time position is $227,000 to $277,000 plus equity and benefits. Our salary ranges are determined by role, level, and location. This is a hybrid position in Mountain View, requiring in-office work 2 days a week.

WHAT YOU'LL DO
  • Build and ship agent-driven chatbot and GenAI workflows that deliver real customer impact.
  • Own meaningful features end-to-end, from definition through design, all the way to implementation, evaluation, and impact measurement.
  • Work hands-on with modern AI development tools (e.g., Cursor, Codex, Claude-style assistants).
  • Collaborate with product, ML, and engineering teams in a fast-moving, ownership-driven culture.
  • Continuously explore better ways to design, iterate, and improve how we build with AI.

WHAT WE'RE LOOKING FOR
  • 3+ years of experience in software engineering
  • A bachelor's, or equivalent industry experience
  • A strong foundation in software engineering and thoughtful system design.
  • Experience writing code that is reliable, durable, and easily maintained.
  • Experience in proactively identifying problems, learn quickly, and taking the initiative.
  • Curiosity and a growth mindset with a focus on and experience stretching beyond what you already know.
  • Excitement about GenAI, agents, and the future of AI-assisted software development. Hands-on experience is a plus.
  • Experience using AI-assisted development tools (e.g., Copilot, Cursor, LLMs) is a plus


#LI-Hybrid

About Earnin

Earnin is a financial services company that provides a mobile app that allows users to access their earned wages before payday. The app uses a proprietary algorithm to determine how much money users can access based on their work history and other factors. Earnin was founded in 2013 and is headquartered in Palo Alto, California.
Learn more about Earnin
Size
200 employees
Industry
Founded
2012

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