Earnin

Silicon Valley
101 - 250 Employees
51 - 100 Engineers
$100M+ Funding
Series C

We give people the ability to get their pay on demand. The timing difference between when a person works and gets paid means that frequently when people work paycheck to paycheck, they're forced into using predatory, high-interest debt products. We help them avoid the vicious cycle of a worsening financial situation.

Earnin is leading a money revolution. Through the app, people are coming together to build a better financial system - a system that puts people over profits.

Our movement is bold, positive, and uplifting. Because we know that when the people around us are happy and healthy, we are all better off.

Earnin photo 1 Earnin photo 2 Earnin photo 3 Earnin photo 4 Earnin photo 5
Active Roles 1 more active role
Why join us?
  • High social impact - Over 50% of the workforce is living paycheck to paycheck. There are many services for these people, but many of them are predatory: banks charge excessive overdraft fees; payday lenders want to trap them in a cycle of debt rollover. We help them avoid the vicious cycle of a worsening financial situation.

  • Big mission - We're on a mission to change the way that the financial system treats the less wealthy members of society. Consumers pay $100M+ year in fees on short-term credit products. This comes down to a cashflow shortfall, forcing low-income people into a poverty trap. We help them escape.

    There's been so much innovation on how people can spend and move money but no improvements on when and how people gain access to money they've already earned. Why are we waiting to get paid in this day and age only to be financially penalized when we need access to that money?

  • Fast Growth & Great Investors - We're growing fast and have top-tier investors including Andreesen Horowitz, Matrix Partners, March Capital Partners, and Ribbit Capital.


Engineering at Earnin
Engineering team and processes

Our engineering team is organized into various engineering and product focused teams of about 7 - 8 teams with about 2 - 4 engineers per team. Each team designs, implements, tests, deploys and operates the components and features they own.

Hiring for both Palo Alto, CA and Cincinnati, OH offices.

We follow a continuous integration process. We use GitHub pull requests and require full test suites to pass before code is reviewed and merged. We deploy daily and aspire to improve our tests to the point that continuous deployment is a real possibility.

Technical Challenges
  • We have fast growth and need to build systems that scale
  • We have high bandwidth data coming into our system that require both scalable data stores as well as pipelines that allow for full processing and analysis by multiple subsystems.
  • We are refactoring our monolithic deployables into a micro-services architecture using kubernetes and linkerd.
  • We are starting to build out a data infrastructure leverage a data lake approach
Tech stack
.NET
python
C#
AWS
Kubernetes
linkerd
AWS Aurora
Elastic Search
Docker
Jenkins
Redshift

Working at Earnin

Earnin helps people overcome this unfairness by giving them real-time access to their money as soon as they have worked — without fees or interest.

Our company values are:

Community First: The things we do are good for the community. We put people first. We are humble, approachable, and empathetic. We Not Me: We are strongest when we collaborate and support each other. We are built on participation from all. Our customers are our equals. We have a mentality of “we” - not “me,” “us” or “them.”

Explorer Mindset : We are curious. Challenges help us grow. We are not afraid to step into uncertainty. We can build on people’s ideas. We take measured risks, learn fast from mistakes and are persistent.

Motivation Matters: We inspire goodness. We’re designing a system based on generosity and goodwill, not on greed. Our service is not conditional on customers doing something for the company. Radical Thinking: We rethink what’s possible. We dream bigger to make an impact. We’re not afraid to flip systems upside down and reimagine the world to make things more fair.

Get It Done: People rely on us. We work with urgency and act with ownership.

What does it look like to work at Earnin: We have a flexible work environment and recognize that people have lives outside of work. Occasionally we WFH, come in late/leave early because we understand that you have things to take care of. We treat you like an adult and enable you to manage your own projects/work schedule.

There are times where all hands on deck are needed, but for the most part, people are managing their own work/life balance.

We celebrate anniversaries, birthdays, participate in donut sessions (get to know your fellow colleague over coffee, lunch, or friendly walks around the neighborhood). and people sometimes bring their furry friends to interact with here in our Palo Alto office.

We celebrate accomplishments, learn from sharing experiences on what went wrong, and we're looking for people who relish the startup environment where we're building out new, additional features and we're constantly pushing the envelope on financial systems that work for people and not corporations.

Our Investors: We are a Series C funding from top-tier investors including DST Global, Andreessen Horowitz, Spark Capital, Matrix Partners, March Capital Partners, Coatue Management and Ribbit Capital. We have raised 185MM. As per NY Times and Entrepreneur magazine, we are the next Unicors.

More about us:

How this started = https://www.youtube.com/watch?v=5-ItO61Fgm4

What is Earnin = https://www.youtube.com/watch?v=7jMtEnhnkHE

Earnin: How it Works = https://www.youtube.com/watch?v=bgHzz1vpp-I

Generous Vacation

Take the time off when you need it!

Pet Friendly

Bring Fido, Nemo, or Fluffy to work with you!

Beautiful Office

Our previous office headquarters was next to a 7-11 in Palo Alto. And our current office where we've been for the past year is much, much larger, has free parking, and is within a 5 minute walk from the California Avenue Caltrain station.

Flexible Hours

We don't micro manage - we treat you like an adult. No one is watching you punch in and out and we use Slack to communicate internally.

Health Insurance

PPO and Kaiser Health plans, along with dental, vision, and flex spending accounts!

Work from Home

Not everyday - but some days are definitely okay with us.

Relocation

We typically offer a sign on bonus to help out with relocation expenses (or whatever you choose) or we can get creative with covering an Airbnb while you look for a place to live. We're very flexible and will do what we can to help you out while you relocate in order to work closer to us.

Transportation

We are two blocks from Cal Avenue train station. We offer CalTrain annual GoPass free to our employees.

Maternal/Paternal Leave

We're working on this through our new Director of HR and People Operations.

Free Food

Enjoyed our kitchen! We pretty much have it all. Fresh Coffee, beverages, healthy snacks, and icecream!


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