Sr. Backend Engineer

We're looking for a Senior Backend Engineer to join our core team. If you've built and scaled backend systems in high-trust environments (fintech, health, marketplaces, etc.) and want to do it again - this time with deep ownership, speed, and impact - this is your opportunity.

Millions of people live paycheck to paycheck, and the financial system wasn't built for them. At Earnifi, we are on a mission to change that. We give people better ways to access, use, and manage their money, on their terms. We're building a platform that powers modern income flows like early wage access, rent splitting, and more, with an emphasis on flexibility, fairness, and transparency. Earnifi became the #1 paid finance app in the U.S. just weeks after launching. Backed by top VCs and driven by product velocity, we're assembling a world-class team to rebuild personal finance from the ground up.

What You'll Do

• Architect, build, and scale the backend systems that power our core products: EWA, rent automation, card issuance, risk assessment, and more.
• Lead the design of secure, event-driven, cloud-native microservices using Java (17+) and Spring Boot.
• Make foundational decisions around domain boundaries, data modeling, orchestration vs choreography, and infrastructure.
• Mentor other engineers and help establish engineering best practices, code quality, and system observability.
• Collaborate with founders, product, and design to influence what we build, not just how.
• Proactively identify and address scalability, reliability, and data consistency challenges before they hit production.

What We're Looking For

• 6-10 years of backend experience building real-world products, preferably in fintech or complex platforms.
• Deep proficiency in Java, Spring Boot, and cloud-native microservices architecture.
• Strong in system design, API design, and distributed systems fundamentals.
• Experience with event-driven systems (Kafka or similar), and understanding of eventual consistency patterns.
• Hands-on with relational (PostgreSQL) and NoSQL (DynamoDB/Redis) databases.
• Proven ability to write secure, production-grade code in high-trust domains.
• Exposure to AWS, infrastructure as code (Terraform), and containerized deployments (Fargate/ECS).
• A product mindset: you think in terms of value, tradeoffs, and customer experience, not just code.

Bonus Points for:

• Experience designing systems using Domain-Driven Design (DDD) or CQRS/Event Sourcing.
• Familiarity with risk decision-making systems, KYC integrations, Plaid, or payment rails.
• Built or contributed to a platform that scaled to 1 M+ users or processed high-volume transactions.
• Past startup or founding team experience, comfortable with ambiguity, fast cycles, and lean processes.

Why Join Earnifi

• Make a real impact. The work you do will directly shape the financial lives of thousands, and soon, millions of people.
• Own your lane. We hire for trust and autonomy. You'll have the freedom to move fast, solve real problems, and ship work that matters.
• Build with urgency and care. We're balancing speed with thoughtfulness as we scale a product that's already gaining serious traction.
• Work with sharp, kind people. You'll join a high-performing team that values craft, collaboration, and curiosity.
• Grow with us. Earnifi is backed by top investors and is already demonstrating a strong product-market fit, growing by 100% month-over-month.