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
We are looking for a Senior Product Manager to lead the development of our Earnings platform, with a strong emphasis on integrating Machine Learning (ML) solutions to enhance user experience and drive product innovation. In this role, you will spearhead efforts to build scalable, data-driven solutions that support real-time earnings access to our customer
This position will be a hybrid from our Bengaluru office as part of our expanding site location. EarnIn provides excellent employee benefits, including healthcare, internet/cell phone reimbursement, a learning and development stipend, and potential opportunities to travel to our Palo Alto HQ. Our salary ranges are determined by role, level, and location.
WHAT YOU'LL DO
- Product Vision & Strategy: Develop and drive the product vision and roadmap for the Earnings platform, ensuring it leverages ML to deliver innovative and impactful solutions for users.
- Cross-functional Collaboration: Work closely with ML engineers, data scientists, and financial experts to build and optimize earnings-related features that enhance user engagement and financial well-being.
- Customer-Centric Solutions: Ensure the earnings platform delivers seamless, intuitive, and personalized experiences that empower users to access and manage their earnings in real-time.
- Data-Driven Decision Making: Use data insights and ML-driven analytics to optimize product features, predict usage patterns, and continuously improve the product’s performance and impact.
- Scalability & Innovation: Build and enhance the underlying infrastructure to support large-scale earnings system, while identifying new opportunities to apply ML for predictive insights.
- Leadership & Mentorship: Guide cross-functional teams, foster a collaborative and innovative environment, and mentor team members in applying data and ML to solve complex problems.
WHAT WE'RE LOOKING FOR
- 5+ years of product management experience with a focus on data-driven products, financial services, or fintech solutions.
- Experience in integrating Machine Learning models into product features, with a strong understanding of ML frameworks and tools.
- Strong technical background in ML, data analytics, or working with data science teams to deliver high-impact, personalized product experiences.
- Proven track record of delivering complex, large-scale products, ideally in the fintech industry.
- Excellent analytical skills, with the ability to use data and ML insights to drive product decisions and optimize user outcomes.
- Strong communication and collaboration skills, with the ability to lead cross-functional teams and work with engineering and data science to deliver scalable solutions.
- Experience with regulatory and compliance requirements related to financial services 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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What We Do
Earnin’s mission is to build a financial system that works for people. Every year, while Americans wait for their paychecks, more than $1 trillion of their hard-earned money is held up in the pay cycle. As a result, we accumulate over $50 billion in late and overdraft fees and turn to high-interest loans. We seek to eliminate those fees and put money back into workers’ hands.
Our financial system doesn’t work for people. But Earnin does. Earnin is an app that lets people get paid as soon as they leave work, with no fees, interest, or hidden costs. App users can receive their money in their bank account instantly at little or no cost — as we operate on a pay what you choose model. All they need is a bank account and a job that provides direct deposit or uses electronic timesheets.
At Earnin, we’re building the way we think a financial system should work for everyone, not just the people who can afford it. We help people take control of their money and get to a better financial place.
Our goal is not only to provide great products at little or no cost to the people who need them but also to inspire kindness across the financial world and eventually across all industries.
