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Added 16 hours ago
LI
Software Developer - API
Lotus IT Solutions
Toronto, ON
- Contract
…Service Delivery and Procurement) is seeking a Senior Software Developer – API to join their team onsite in Toronto. In this role, you will design, develop, and maintain enterprise-grade…
Added 17 hours ago
OT
Sr. IT Software Developer
Open Text Corporation
Waterloo, ON
- Other
As a Sr. IT Software Developer (Digital Fullstack), you will independently deliver full-stack and platform capabilities for OpenText's digital experience ecosystem. You will work across…
Added 18 hours ago
BD
Senior DevOps Engineer - Cloud Operations
Black Duck
Calgary, AB
- Full-time
…Cloud Platform (GCP). The ideal candidate brings deep hands-on Kubernetes expertise, is a self-starter who thrives in a fast-paced environment, excels at problem solving, and is committed…
Added 20 hours ago
MC
Senior QA Engineer III – Automation | Banking | API | Kafka | ETL (35729)
Myticas Consulting
Ottawa, ON
- Full-time
Automate API workflows, backend validations, and data-processing scenarios using Java or Python.
Added 20 hours ago
C
Full Stack Developer
CGI
Vancouver, BC
- Full-time
CGI is seeking a Full Stack Developer to design, develop, test, integrate, and support modern enterprise applications.
Added 20 hours ago
D
Senior Full Stack Developer (Java And React/Angular) - Operate (Future Opportunity)
Deloitte
Toronto, ON
- Full-time
We are passively seeking Full Stack Java Developers to join our team on a 1-year fixed term. As a Full Stack Java Developer at Deloitte, you will play a crucial role in designing,…
Added 20 hours ago
BV
Data Engineer (Sports & Prediction Markets)
Betstamp Ventures
Toronto, ON
- Internship
Strong fundamentals in a backend language such as Go, Java, C#, Rust, C++, Kotlin, or server-side TypeScript
Added 20 hours ago
RI
Senior Full Stack Java Developer - Capital Markets
Rose International
Mississauga, ON
- Full-time
8+ years of professional software engineering experience, with demonstrable experience as a Full-Stack Developer transitioning into a Forward Deployed Engineer-style, customer-facing…
Added 20 hours ago
ZC
Senior Full Stack Developer (Angular & Java)
Ztek Consulting
Montreal, QC
- Full-time
You will be a technically proficient and enthusiastic developer, with a desire to work on back-end application development.
Added 22 hours ago
EI
Delivery Lead
Enercare Inc.
Markham, ON
- Full-time
Experience across a variety of tech stacks (Java, React, Python, JavaScript, C#, etc.).
Added 22 hours ago
D-
Spécialiste de Solutions IA
DELAN - IT Talent Solutions
Montreal, QC
- Full-time
Œuvrer dans un environnement sur Python, Java, C#, Angular et Kubernetes
Added 23 hours ago
C
Senior Software Engineer Technical Remediation & Enablement
Citi
Mississauga, ON
- Full-time
…breaking API changes, and version incompatibilities across Java, Python, Go, .NET, or JavaScript/TypeScript…
Added 1 day ago
C
Applications Development Sr Programmer Analyst
Citi
Mississauga, ON
- Full-time
We are seeking a talented and passionate Developer to join our Operations Workbench team. You will be a key contributor to the development of our new, cutting-edge platform. You will apply…
Added 1 day ago
C
Apps Dev Intmd Programmer Analyst
Citi
Mississauga, ON
- Full-time
Work with Modern Technology: Utilize a modern tech stack, including Java, Angular, React, Kubernetes, Docker, and Kafka, to build cutting-edge financial technology solutions.
Added 1 day ago
C
Apps Dev Intmd Programmer Analyst
Citi
Mississauga, ON
- Full-time
We are seeking a senior Full Stack developer with strong data/event-driven design and implementation skills to implement our next generation Markets Technology.
Added 1 day ago
M
RQ11528 - Software Developer - API - Senior
Maarut
Toronto, ON
- Contract
Added 1 day ago
O
Lead UX Developer (React)
OpenText
Waterloo, ON
- Full-time
As an experienced Software Developer, your extensive skills beyond the core set listed above (due to previous roles and other technology) can also be an asset and a differentiator.…
Added 1 day ago
HS
Senior Software Engineer
Henry Schein Canada
Surrey, BC
- Full-time
Strong experience with Java and modern object-oriented software development
Added 1 day ago
HS
Senior Software Engineer
Henry Schein
Surrey, BC
- Full-time
Strong experience with Java and modern object-oriented software development
Added 1 day ago
C
Java Developer - Rates Technology
Citi
Mississauga, ON · Toronto, ON
- Full-time
We are seeking a highly skilled and experienced Application Developer to join our dynamic Rates Technology team. This position is responsible for the development of new and revised…
Added 1 day ago
Senior Software Engineer
EarnIn
Vancouver, BC
Proficient in at least one modern programming language, such as Kotlin, Java, C#, Go, Python, or TypeScript, and able to work in more than one.
Added 1 day ago
TI
Senior API Developer
Teckhorizon Inc
Toronto, ON
- Contract
The client is seeking an experienced Senior Software Developer API to design, develop, implement, and maintain enterprise-level APIs, web applications, and system integrations. The ideal…
Added 1 day ago
E
Senior Software Engineer
EarnIn
Vancouver, BC
- Full-time
Proficient in at least one modern programming language, such as Kotlin, Java, C#, Go, Python, or TypeScript, and able to work in more than one.
Added 1 day ago
D
Full Stack Developer (Java/Python + Gen AI)
Digitalogia
Brampton, ON
- Contract
Role Description This is a contract Full Stack Developer (Java/Python + Gen AI) role based in Brampton, ON with a hybrid work arrangement, allowing a mix of on-site and work-from-home days.…
Added 1 day ago
C
Senior Java Developer - Vice President
Citi
Mississauga, ON
- Full-time
As a Senior Java Developer, you will design and deliver microservices solutions that power global reference data used by clients across Citi. Working within a global engineering…

EarnIn

Senior Software Engineer

Vancouver, BC, Canada

Full-time

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Job details

Job type: Full-time
Apply by: Nov 29, 2026
Experience: 4+ years of software engineering experience, with most of it spent building and operating backend services.
Posting language: English
Posted: Oct 30, 2026

Original 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

Cash Out is the business unit behind how millions of EarnIn community members access their earnings when they need them most. Our backend services power Cash Out around the clock, integrating with EarnIn's risk, ledger, and repayment platforms to get real money to members over debit card rails, ACH, and RTP. We are looking for an experienced, product-minded, and resourceful senior backend engineer to own the design, development, and operation of these services and the member outcomes they drive.

At EarnIn, working with AI is expected, not optional. This is a backend engineering role, not an AI engineering role, but we expect you to use AI-assisted development and agentic workflows (Cursor, Claude, and similar tools) every day to design, build, test, and operate our systems, so you can move much faster and deliver a lot more, while holding a high bar for correctness, review, and safety on systems that move our members' money. You'll work across the stack when the member experience calls for it, partner closely with product, design, and data, and take full ownership of what you ship from idea through production.

This position is hybrid, based in our Vancouver, BC office, with two days a week required in the office. Candidates must be based in the Vancouver area; this role is not open to fully remote work. EarnIn offers excellent employee benefits, including healthcare, internet and cell phone reimbursement, a learning and development stipend, and potential opportunities to travel to our Mountain View headquarters. The Vancouver base salary range for this full-time position is CAD 199,800- 244,200 plus equity and benefits. Our salary ranges are determined by role, level, and location.

WHAT YOU'LL DO

Drive the end-to-end design and implementation of new Cash Out features. Break down complex problems to their essentials, translate that complexity into elegant design, and write high-quality, maintainable, well-tested code.
Design and build highly reliable Cash Out transaction flows on top of EarnIn's payments and repayment platforms, which move money over debit card networks, ACH, FedNow, and RTP, with idempotent requests, safe handling of payment failures and returns, reconciliation of Cash Out state against platform outcomes, and auditability built in.
Use AI-assisted development tools and agentic workflows as your default way of working, from design and coding to testing, code review, debugging, and incident response, to deliver significantly more, faster, while staying accountable for the quality and safety of everything that ships.
Work across the stack when the member outcome calls for it, carrying changes from backend services through APIs and into the client experience, in partnership with design, instead of waiting on handoffs.
Design and deliver robust REST/gRPC APIs for our client applications and services, and event-driven integrations (e.g., Kafka, SNS/SQS) between backend services with idempotent consumers and well-defined contracts.
Own the health of the services you build: participate in the team's on-call rotation, respond to alerts and incidents, and drive them through resolution and blameless postmortems.
Improve reliability and observability by building monitoring, alerting, dashboards, and runbooks that help us detect and resolve issues before a member's Cash Out is delayed or fails.
Bring a customer-first product mindset: partner with product, design, data science, and analytics to shape what we build, size opportunities, and read out experiments.
Mentor other engineers through code, design, and architecture reviews, and share the AI workflows that work.
Make a meaningful impact on the lives of our community members.

WHAT WE'RE LOOKING FOR

4+ years of software engineering experience, with most of it spent building and operating backend services.
A computer science or related degree, or equivalent practical experience. We care about what you've built, not where you studied.
Proven, hands-on experience using Cursor and Claude (e.g., Claude Code, Claude in Cursor) in your day-to-day engineering work. You'll be asked to share specific stories about how AI and agentic workflows helped you ship more, faster, including a time you caught and corrected AI output that was wrong, and how you decide when to trust AI output and when to verify it.
A track record of using AI to deliver backend and, when needed, full-stack work end to end, not just to generate snippets.
Strong product sense and a customer-first mindset. You can point to the member or customer outcomes you moved and how you measured them, through opportunity sizing, experiments, or metrics, not just the features you shipped.
An excellent sense of ownership, including supporting live production services through on-call, incidents, and follow-through.
Proficient in at least one modern programming language, such as Kotlin, Java, C#, Go, Python, or TypeScript, and able to work in more than one.
Hands-on experience with SQL and NoSQL databases (e.g., PostgreSQL, MySQL, DynamoDB) and streaming and messaging technologies (e.g., Kafka, AWS SNS/SQS).
Experience working in microservice architectures, with continuous integration and delivery tools, and with developing and executing functional and integration tests.
Excellent written and verbal communication skills.
A bias toward action and results, and comfort moving quickly and adapting as priorities change.
Experience with payments, ledgers, or money movement systems, where correctness and auditability matter, is a plus
Experience building web or mobile client experiences (e.g., TypeScript, React, or native mobile) is a plus.
Experience with Kubernetes, AWS, and monitoring and observability tools such as Datadog is a plus.
Experience helping a team adopt agentic workflows using AI that improved both output and quality is a plus.
Experience in fintech or other regulated, security-sensitive environments is a plus.

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.

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More about this job

Responsibilities

Design, build, and operate reliable Cash Out backend services and transaction flows, including payment integrations, APIs, event-driven systems, and safeguards for idempotency, reconciliation, and auditability. Own production health through on-call support, incident response, monitoring, and postmortems, while partnering across product, design, and data and mentoring engineers.

Requirements

Candidates need at least four years of software engineering experience, primarily building and operating backend services, plus proficiency in a modern programming language and experience with databases, messaging, microservices, CI/CD, and testing. The role also requires hands-on daily use of Cursor and Claude, strong product judgment and ownership, and the ability to communicate effectively; a relevant degree or equivalent practical experience is accepted.

Skills

Backend Engineering
AI-Assisted Development
Agentic Workflows
Kotlin
Java
C#
Go
Python
TypeScript
SQL
NoSQL
Microservices
REST/gRPC APIs
Kafka
AWS SNS/SQS
Payments

Benefits

Healthcare
Internet Reimbursement
Cell Phone Reimbursement
Learning and Development Stipend
Equity
Travel Opportunities

Visa sponsorship

Not detected in the job text

Keywords

Cash Out
Earned Wage Access
Backend Services
AI-Assisted Development
Agentic Workflows
Cursor
Claude
Payments
Debit Card Networks
ACH
FedNow
RTP
Idempotency
Reconciliation
Auditability
REST APIs
gRPC
Kafka
AWS SNS/SQS
PostgreSQL
MySQL
DynamoDB
Microservices
Continuous Integration and Delivery
Functional Testing
Integration Testing
Kubernetes
AWS
Datadog
On-Call

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