About Earnifi Earnifi is a next-generation consumer credit company reimagining how young earners and underserved segments access, use, and build credit. With no credit score requirements, instant decisions, and flexible repayment tied to your payday, Earnifi helps you stay rent-secure, build credit, and gain financial confidence — all without the hidden fees and fine print of traditional lenders. About the Role We're looking for a Product Manager with 2+ years of experience in Product Management in Fintech firms to join our team and help us drive execution excellence . You’ll be responsible for translating product ideas and business goals into deliverables, collaborating closely with engineering, design, operations, compliance, and other stakeholders to ship impactful features quickly and reliably. This is a hands-on, execution-heavy role. While you’ll contribute to product thinking, your day-to-day will focus on project managing, scoping, launching, and refining products in-market — not blue-sky strategy decks. What You’ll Do Own the product development lifecycle from spec to ship — plan, define, execute, and iterate Collaborate cross-functionally with engineering, design, compliance, growth, and ops teams Write clear PRDs, user stories, edge case flows, and success metrics Proactively manage timelines, risks, blockers, and scope changes Collect and analyze user data, operational feedback, and performance metrics to make quick decisions Triage bugs, prioritize backlogs, and work with engineers to resolve issues quickly Ensure compliance, security, and regulatory considerations are built into every release Help launch products to users, including coordination with marketing, CX, and support teams What We’re Looking For 2+ years of product management experience in fintech or financial services Proven ability to execute fast , manage multiple projects, and handle ambiguity Experience working in a highly regulated domain (e.g., lending, payments, EWA, wallets, etc.) Strong technical acumen — can work closely with engineers and understand APIs, data flows, architecture constraints Adept at writing specs, managing tickets, and pushing features live Detail-oriented, user-obsessed, and relentless in driving quality Experience working with tools like Jira, Figma, SQL, Mixpanel, Postman Worked in a startup or high-growth environment
About the Role This is not your typical analyst role. You’ll be the first data hire, owning everything from writing SQL to designing dashboards to building the initial data infrastructure. You’ll work directly with product, business, and risk teams to turn raw data into clear, actionable insights — and ensure we have the data pipelines and tooling to do it at scale. What You'll Do Analytics & Decision Support - Define and track KPIs across acquisition, repayment, retention, and engagement - Build dashboards and self-serve reporting tools for cross-functional teams - Run ad-hoc analyses to support product experiments and credit decisioning - Help product and risk teams understand user behavior and portfolio performance Data Infrastructure & Engineering - Set up data pipelines (ETL/ELT) to ingest and transform data from multiple sources - Own and manage our data warehouse (BigQuery/Snowflake or similar) - Implement best practices for data modeling, governance, and quality - Evaluate and set up tools for BI, visualization, and data ops (e.g., Metabase, dbt, Airflow) - Ensure data availability, accuracy, and performance at scale What We're Looking For - 2+ years experience in a data analyst, analytics engineer, or data engineer role - Strong SQL skills — you're comfortable joining, filtering, and aggregating large datasets - Experience with BI tools like Metabase, Looker, or Tableau - Exposure to setting up or managing data infrastructure (pipelines, warehousing, etc.) - Bonus: Experience with dbt, Airflow, or cloud platforms (GCP/AWS) - Bonus: Fintech or credit domain experience (especially in underwriting or repayment analytics) - Comfortable operating in ambiguity and building from 0→1 About Earnifi Earnifi is building credit products for students and early professionals. We're creating simple, transparent financial products that match how young people actually live, earn, and spend.
Job Title: UX Designer Company: Earnifi Location: Bangalore, India Experience: Minimum 3 years About Earnifi: Earnifi is a financial technology company dedicated to simplifying personal finance. Our app offers features like instant earnings access, seamless rent splitting, and interest-free emergency funds, empowering users to manage their finances effortlessly. Job Description: We are seeking a talented and experienced UX Designer to join our dynamic team in Bangalore. The ideal candidate will have a strong background in user-centered design principles and a passion for creating intuitive and engaging user experiences. As a UX Designer at Earnifi, you will collaborate closely with cross-functional teams to design and enhance our mobile and web applications, ensuring they meet user needs and business objectives. Key Responsibilities: Collaborate with product managers, developers, and other stakeholders to understand project requirements and user needs. Conduct user research and usability testing to gather insights and inform design decisions. Create wireframes, prototypes, and high-fidelity designs using tools such as Figma, Sketch, or Adobe XD Develop and maintain design systems to ensure consistency across all platforms. Ensure designs comply with accessibility standards and best practices. Stay updated with the latest UX trends, techniques, and technologies Qualifications: Bachelor’s or Master’s degree in Design, Human-Computer Interaction, or a related field. Minimum of 3 years of professional experience in UX design. Proficiency in design tools such as Figma, Sketch, Adobe XD, and prototyping tools like InVision or Marvel Strong understanding of user-centered design principles and best practices. Experience conducting user research and usability testing. Excellent communication and collaboration skills. Ability to work in a fast-paced environment and manage multiple projects simultaneously. Preferred Skills: Experience in the fintech industry or designing financial applications. Familiarity with front-end development technologies such as HTML, CSS, and JavaScript. Knowledge of accessibility standards and guidelines. Why Join Earnifi? At Earnifi, we are committed to revolutionizing personal finance by providing innovative solutions that empower our users. As part of our team, you will have the opportunity to work on cutting-edge projects, collaborate with passionate professionals, and contribute to a product that makes a real difference in people's lives. Application Process: Interested candidates are invited to submit their resume, portfolio, and a cover letter detailing their relevant experience and why they are a good fit for this role.
Job Title: UX Designer Company: Earnifi Location: Bangalore, India Experience: Minimum 3 years About Earnifi: Earnifi is a financial technology company dedicated to simplifying personal finance. Our app offers features like instant earnings access, seamless rent splitting, and interest-free emergency funds, empowering users to manage their finances effortlessly. Job Description: We are seeking a talented and experienced UX Designer to join our dynamic team in Bangalore. The ideal candidate will have a strong background in user-centered design principles and a passion for creating intuitive and engaging user experiences. As a UX Designer at Earnifi, you will collaborate closely with cross-functional teams to design and enhance our mobile and web applications, ensuring they meet user needs and business objectives. Key Responsibilities: Collaborate with product managers, developers, and other stakeholders to understand project requirements and user needs. Conduct user research and usability testing to gather insights and inform design decisions. Create wireframes, prototypes, and high-fidelity designs using tools such as Figma, Sketch, or Adobe XD Develop and maintain design systems to ensure consistency across all platforms. Ensure designs comply with accessibility standards and best practices. Stay updated with the latest UX trends, techniques, and technologies Qualifications: Bachelors or Masters degree in Design, Human-Computer Interaction, or a related field. Minimum of 3 years of professional experience in UX design. Proficiency in design tools such as Figma, Sketch, Adobe XD, and prototyping tools like InVision or Marvel Strong understanding of user-centered design principles and best practices. Experience conducting user research and usability testing. Excellent communication and collaboration skills. Ability to work in a fast-paced environment and manage multiple projects simultaneously. Preferred Skills: Experience in the fintech industry or designing financial applications. Familiarity with front-end development technologies such as HTML, CSS, and JavaScript. Knowledge of accessibility standards and guidelines. Why Join Earnifi At Earnifi, we are committed to revolutionizing personal finance by providing innovative solutions that empower our users. As part of our team, you will have the opportunity to work on cutting-edge projects, collaborate with passionate professionals, and contribute to a product that makes a real difference in people&aposs lives. Application Process: Interested candidates are invited to submit their resume, portfolio, and a cover letter detailing their relevant experience and why they are a good fit for this role. Show more Show less
Role Overview: As a Senior Backend Engineer at our company, you will be an integral part of the core team responsible for architecting, building, and scaling backend systems that power our core products. You will have the opportunity to lead the design of secure, event-driven, cloud-native microservices using Java and Spring Boot, make foundational decisions around domain boundaries, data modeling, and infrastructure, mentor other engineers, and collaborate with various stakeholders to influence product development. Key Responsibilities: - Architect, build, and scale the backend systems supporting products such as EWA, rent automation, card issuance, and risk assessment. - 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 to establish engineering best practices, code quality, and system observability. - Collaborate with founders, product, and design teams to influence product development. - Proactively identify and address scalability, reliability, and data consistency challenges. Qualifications Required: - 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 skills in system design, API design, and distributed systems fundamentals. - Experience with event-driven systems such as Kafka, and understanding of eventual consistency patterns. - Hands-on experience 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 focused on value, tradeoffs, and customer experience. Company Details: Joining our team at Earnifi offers you the opportunity to make a real impact by shaping the financial lives of thousands, and soon, millions of people. We value trust and autonomy, giving you the freedom to move fast, solve real problems, and ship work that matters. Additionally, you will work with a high-performing team that values craft, collaboration, and curiosity, as we continue to grow rapidly backed by top investors and demonstrating a strong product-market fit.,
Company Description Earnifi is the fastest-growing financial wellness platform designed for students and early-career professionals, currently ranked as the #1 paid finance app in the U.S. App Store. Our mission is to address the real-life cash flow challenges of young adults with solutions such as effortless rent-splitting, pay-later tools, personalized financial journeys, and real-time budgeting. Backed by leading venture capital firms, we aim to redefine financial access, enabling greater control, clarity, and confidence in money management without relying on predatory fees. With a focus on promoting financial freedom, Earnifi is rapidly transforming how people manage their finances. Role Description The QA Manager at Earnifi is a senior, hands-on leader responsible for ensuring the reliability of Earnifi’s financial systems across rent splitting, EWA, cash advances, and the Visa Charge Card. You will oversee quality for core user journeys, backend services, and key partner integrations. You will define QA standards, build testing frameworks, drive cross-functional test planning, and own deployment readiness—ensuring financial decisions, partner APIs, and transaction flows work flawlessly. As the technical authority for defect triage and system reliability, you will partner closely with Engineering, Product, Risk, Compliance, Operations, and vendors such as Plaid, Pinwheel, Lithic, and Scienaptic. This role is ideal for a senior QA leader who thrives in complex environments and builds confidence in mission-critical financial systems. Responsible for: Define the overall QA strategy for Earnifi’s platform, including manual, automated, integration, regression, and release validation. Establish quality benchmarks, coverage metrics, acceptance criteria, and go/no-go standards for releases. Build scalable test frameworks that support rapid iteration while maintaining strong reliability controls. Own QA readiness for releases across mobile app, backend microservices, risk/underwriting systems, and partner integrations. Lead regression cycles, UAT coordination, and production smoke tests with clear accountability for sign-off. Ensure vendor-provided updates (Plaid, Pinwheel, Lithic, Scienaptic, etc.) go through structured Earnifi QA gates. Oversee all critical issue investigations, guiding teams through root-cause analysis using logs, API behavior, system events, and data flows. Build and maintain an enterprise-level issue taxonomy and RCA library to accelerate long-term fixes. Drive the roadmap for test automation across API, integration, and UI layers. Identify where automation delivers material value and build automation requirements into the development lifecycle. Partner with Engineering to ensure automated tests run reliably in CI/CD pipelines. Oversee creation and maintenance of QA playbooks, incident workflows, runbooks, and testing SOPs. Ensure all processes—from product validation to underwriting test suites—are documented at production-grade quality. Must-Have Qualifications: 5–7+ years of QA experience in fintech, financial services, payments, lending, payroll, or risk-based systems in an early-stage or fast-scaling startup environment. Exposure to mobile app testing in high-reliability environments. Strong expertise in debugging systems using logs, API payloads, event streams, and observability tools. Proven ability to manage complex release cycles with high reliability and tight timelines. Excellent communication skills with the ability to translate technical issues into structured, actionable insights. Strong grounding in test planning, regression coverage, UAT, automation strategy, and QA governance.
Company Description Earnifi is the fastest-growing financial wellness platform designed for students and early-career professionals, currently ranked as the #1 paid finance app in the U.S. App Store. Our mission is to address the real-life cash flow challenges of young adults with solutions such as effortless rent-splitting, pay-later tools, personalized financial journeys, and real-time budgeting. Backed by leading venture capital firms, we aim to redefine financial access, enabling greater control, clarity, and confidence in money management without relying on predatory fees. With a focus on promoting financial freedom, Earnifi is rapidly transforming how people manage their finances. Role Description The QA Manager at Earnifi is a senior, hands-on leader responsible for ensuring the reliability of Earnifi's financial systems across rent splitting, EWA, cash advances, and the Visa Charge Card. You will oversee quality for core user journeys, backend services, and key partner integrations. You will define QA standards, build testing frameworks, drive cross-functional test planning, and own deployment readinessensuring financial decisions, partner APIs, and transaction flows work flawlessly. As the technical authority for defect triage and system reliability, you will partner closely with Engineering, Product, Risk, Compliance, Operations, and vendors such as Plaid, Pinwheel, Lithic, and Scienaptic. This role is ideal for a senior QA leader who thrives in complex environments and builds confidence in mission-critical financial systems. Responsible for: Define the overall QA strategy for Earnifi's platform, including manual, automated, integration, regression, and release validation. Establish quality benchmarks, coverage metrics, acceptance criteria, and go/no-go standards for releases. Build scalable test frameworks that support rapid iteration while maintaining strong reliability controls. Own QA readiness for releases across mobile app, backend microservices, risk/underwriting systems, and partner integrations. Lead regression cycles, UAT coordination, and production smoke tests with clear accountability for sign-off. Ensure vendor-provided updates (Plaid, Pinwheel, Lithic, Scienaptic, etc.) go through structured Earnifi QA gates. Oversee all critical issue investigations, guiding teams through root-cause analysis using logs, API behavior, system events, and data flows. Build and maintain an enterprise-level issue taxonomy and RCA library to accelerate long-term fixes. Drive the roadmap for test automation across API, integration, and UI layers. Identify where automation delivers material value and build automation requirements into the development lifecycle. Partner with Engineering to ensure automated tests run reliably in CI/CD pipelines. Oversee creation and maintenance of QA playbooks, incident workflows, runbooks, and testing SOPs. Ensure all processesfrom product validation to underwriting test suitesare documented at production-grade quality. Must-Have Qualifications: 57+ years of QA experience in fintech, financial services, payments, lending, payroll, or risk-based systems in an early-stage or fast-scaling startup environment. Exposure to mobile app testing in high-reliability environments. Strong expertise in debugging systems using logs, API payloads, event streams, and observability tools. Proven ability to manage complex release cycles with high reliability and tight timelines. Excellent communication skills with the ability to translate technical issues into structured, actionable insights. Strong grounding in test planning, regression coverage, UAT, automation strategy, and QA governance.
We're looking for a Backend Engineer to join our core team. 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 We're Looking For 2+ years of backend experience building real-world products, preferably in fintech or complex platforms. 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. 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.