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Added 16 mins ago
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Applied AI Engineer – Agents & Automation
Future Electronics
Kirkland, QC
- Full-time
The Frontier AI Deployed Engineer is a member of Future Electronics' AI & Automation Center of Excellence and works directly with business and technology teams to discover, design, build,…
Added 16 mins ago
TC
Performance Engineer
Tata Consultancy Services
Toronto, ON
- $90,000 to $110,000 CAD / year
- Full-time
…clients to transform themselves across the full AI stack, from infrastructure to…
Added 46 mins ago
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Senior Cloud DevOps Engineer
Charger Logistics Inc.
Brampton, ON
- Full-time
The Senior Cloud DevOps Engineer will design and implement enterprise-scale cloud infrastructure, drive automation strategies, and mentor engineering teams while architecting…
Added 46 mins ago
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Software Engineer II
TD
Toronto, ON
- Full-time
We are seeking a highly skilled Software Engineer II to join our team and develop, maintain, and enhance robust solutions involving backend, front end, and API components. This is a…
Added 1 hour ago
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Sector Design Deputy Manager – ALTO project / Cadence
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Montreal, QC
- Full-time
…a new railway line, increasing the capacity of the existing infrastructure, privatization of a…
Added 1 hour ago
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Building Operator (Critical Environment)
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- Full-time
Reviews and completes daily entries into engineer's log; investigates any issues
Added 1 hour ago
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Senior Manager – Systems Assurance
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Toronto, ON
- Full-time
…a new railway line, increasing the capacity of the existing infrastructure, privatization of a…
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Toronto, ON
- Full-time
The Utilities Engineer – Coordination and Interface Management is responsible for the identification, coordination, and resolution of interfaces between the High-Speed Rail (HSR) project…
Added 1 hour ago
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Delivery Engineer, Operations – ALTO project / Cadence
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Montreal, QC
- Full-time
…a new railway line, increasing the capacity of the existing infrastructure, privatization of a…
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Station Design Coordinator
SYSTRA
Montreal, QC
- Full-time
…a new railway line, increasing the capacity of the existing infrastructure, privatization of a…
Added 1 hour ago
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Senior Manager – Systems Requirements
SYSTRA
Toronto, ON
- Full-time
…a new railway line, increasing the capacity of the existing infrastructure, privatization of a…
Added 1 hour ago
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Apps Dev Intmd Programmer Analyst
Citi
Mississauga, ON
- Full-time
Junior software Engineer to deliver end to end development
Added 1 hour ago
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Software Engineer
Highspring
Montreal, QC
- Full-time
We are seeking a Python Software Engineer to join one of our delivery teams working on AI-enabled solutions within a large enterprise environment. In this role, you will play a key part in…
Added 1 hour ago
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Rolling Stock Engineer
SYSTRA
Montreal, QC
- Full-time
…a new railway line, increasing the capacity of the existing infrastructure, privatization of a…
Added 1 hour ago
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Bridge Engineer – P.eng
SYSTRA
Toronto, ON
- $95,000 to $110,000 CAD / year
- Full-time
…a new railway line, increasing the capacity of the existing infrastructure, privatization of a…
Added 1 hour ago
Staff Platform Engineer, AI
Motive
Vancouver, BC · Toronto, ON
As a Staff Engineer on the Developer Productivity team, you will spearhead the effort to build systems and automation that are the development, build, and delivery backbone of the Motive…
Added 1 hour ago
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Director, Voisey's Bay Operations
Vale Base Metals
St. John's, NL
- Full-time
With industry-leading reserves of copper and nickel in Canada, Brazil, and Indonesia, and state-of-the-art infrastructure in the U.K., Canada, and Japan, VBM delivers a secure and…
Added 1 hour ago
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Toronto, ON · Greater Toronto Area, Canada
- Full-time
Technical Sales Engineer | Load Banks (portfolio lead)
Added 1 hour ago
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Station Design Manager
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Montreal, QC
- Full-time
…a new railway line, increasing the capacity of the existing infrastructure, privatization of a…
Added 1 hour ago
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Senior Software Engineer - Brokerage Platform
Moomoo Canada
Toronto, ON · North York, ON
- Full-time
We are looking for an experienced Senior Software Engineer to join our engineering team in Toronto.
Added 1 hour ago
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Senior Electrical / Transportation Engineer – Illumination & Traffic Signals
Aplin
Toronto, ON
- Full-time
Aplin has partnered with an established engineering consulting firm to recruit a Senior Electrical / Transportation Engineer specializing in highway illumination, traffic signals, and…
Added 1 hour ago
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Exhaust Dispersion Scientist/Engineer/EIT
RWDI
Guelph, ON
- $62,000 to $75,000 CAD / year
- Full-time
…services, we drive success on ambitious building, industry, and infrastructure…
Added 2 hours ago
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OCS Design Delivery – Senior Manager
SYSTRA
Toronto, ON
- Full-time
…a new railway line, increasing the capacity of the existing infrastructure, privatization of a…
Added 2 hours ago
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Expression of Interest for Engineering Graduate – University of Victoria
Worley
Vancouver, BC
- Full-time
Added 2 hours ago
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Senior Software Engineer, Agentic Systems
CareLink (by Asepha)
Toronto, ON
- Full-time
…rapidly and seeking a talented, innovative Senior Software Engineer to join our growing team. As one of our early hires, you’ll play a critical role in shaping our engineering efforts,…

EarnIn

Senior Software Engineer

Vancouver, BC, Canada

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Job details

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

You will own the design, development, and operation of backend services that power the Cash Out platform, ensuring reliable money movement for members. You will also leverage AI-assisted workflows to build, test, and maintain high-quality code while collaborating across teams to deliver impactful product features.

Requirements

Candidates must have 4+ years of backend engineering experience and a strong proficiency in modern programming languages like Kotlin, Java, or Python. You must demonstrate hands-on experience with AI-assisted development tools and possess a solid understanding of microservice architectures and database technologies.

Skills

Backend engineering
AI-assisted development
Agentic workflows
REST APIs
gRPC
Kafka
SQL
NoSQL
Microservices
System design
Payments systems
Observability
Cloud infrastructure
Kotlin
Java
Python

Benefits

Healthcare
Internet reimbursement
Cell phone reimbursement
Learning and development stipend
Equity

Visa sponsorship

Not detected in the job text

Keywords

Software Engineer
Backend
Fintech
Earned Wage Access
AI-assisted development
Cursor
Claude
Payments
Ledger
Debit card rails
ACH
FedNow
RTP
Idempotent
Kafka
AWS
SNS
SQS
PostgreSQL
MySQL
DynamoDB
Microservices
Kubernetes
Datadog
Observability
API
TypeScript
Go
C#

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