Senior Product Builder

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 people 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 excited to bring on world-class talent to help shape the next chapter of our growth journey.

EarnIn is becoming an AI-native company, embedding AI agents into how we build, analyze, and operate across every function. Teams use AI Agents to move from ideas to execution faster. By letting agents handle repetitive tasks, our people can focus on judgment, creativity, and hard problems. We pair this experimentation with the strict review and security guardrails our regulated financial environment requires, always keeping a focus on privacy and the people who rely on our products.

As a company, we are becoming AI-native, and we encourage you to use AI tools throughout much of your interview process. If you use AI during the live interview, just say so; a quick, natural mention of how it helped and why you are using it is all we need. What we're evaluating is your judgment, reasoning, and ability to own and defend your work, not whether AI was involved. Some rounds, particularly those focused on your career history and past experiences, will not allow the use of AI, and we'll let you know of those in advance. When in doubt, ask your recruiter or interviewer directly.

POSITION SUMMARY

As a Senior Product Builder at EarnIn, you’ll help bring our mission to life. EarnIn is making AI-native work a core capability. It’s how we design, build, and ship. The products you own will run in production, making real decisions for real people who depend on EarnIn to access their pay when it matters most. You’ll bring a strong technical foundation to product work: setting product strategy, uncovering new insights, and driving execution on new, zero-to-one initiatives. You’ll partner with engineers, designers, and domain leads, and build the depth to lead new product bets as they come up.

This is a hybrid position at our Mountain View HQ that requires 2 days in the office each week. The Mountain View base salary range for this full-time position is $229,661 to $280,697, plus equity and benefits. Our salary ranges are determined by role, level, and location. 

WHAT YOU'LL DO

• Own technical product strategy. Define what we build and why, working directly with engineers on architecture, tradeoffs, and AI-enabled product capabilities.
• Rethink the product development lifecycle. Challenge each stage, from scoping and design through review, testing, deployment, and monitoring, and replace manual friction with agentic workflows wherever it makes sense. Build evaluation pipelines, automated PR hygiene, deployment gating, and generation-to-merge metrics that make governed AI fast, not slow.
• Define quality for AI-powered products. Work with engineering to set benchmarks and quality gates that show whether our AI is working, degrading, or ready to ship, and make results visible and trustworthy across teams.
• Graduate pilots to production. Turn what’s working in engineering experiments into something the next team can fork and ship in a week. Build reusable libraries, templates, and reference implementations so no one solves the same problem twice.
• Build toward zero-to-one. Learn how EarnIn works, including how to partner with legal and compliance, so you can lead new product initiatives from idea to launch. Stay close to our community. Use user research and data analytics to identify and prioritize product opportunities, and run features and experiments to refine our products quickly.
• Lead across functions. Work with a cross-functional team of engineers, designers, researchers, and analysts. Define ambitious OKRs and stretch goals, and monitor the metrics that show product success.
• Communicate the vision. Articulate the product vision, roadmap, and outcomes to internal stakeholders, including the executive team, and build consensus to get new work done.

WHAT WE'RE LOOKING FOR

• 4+ years of relevant industry experience in product management or engineering.
• Bachelor’s, Master’s, or PhD in Computer Science, Computer Engineering, Engineering, Information Systems, or a related field, or equivalent industry experience. 
• Hands-on experience with AI native product development lifecycles (PDLC).
• Proficiency and comfort working across the stack when needed
• Strong analytical skills, using data to inform product decisions and drive metrics improvement
• Deep empathy for user needs
• Exceptional communication skills with executive leadership and key stakeholders
• Comfort in a culture of rapid experimentation, and the ability to build alignment across teams and functions
• Creative problem solving for complex challenges

You'll Stand Out If You Have:

• Experience in fintech or regulated, security-sensitive environments, including knowledge of regulatory requirements and best practices
• Hands-on work with AI governance: bias evaluation, audit logging, model cards
• Exposure to multi-step reasoning pipelines or human-in-the-loop system design

#LI-Hybrid

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.