Machine Learning Engineer

AI in this role

claudecopilotcursorcodexrunway

ai-agents

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.

WHAT WE'RE LOOKING FOR

EarnIn is building the next generation of AI-powered experiences that help millions of people access their pay and improve their financial well-being. We’re looking for a self-driven engineer eager to grow, learn quickly, and expand their impact by building high-quality systems and agent-driven GenAI workflows. This role is for a builder who is ready to move beyond foundational work and take significant ownership. We are looking for someone who takes initiative, deeply values craft, and is eager to push the boundaries of how engineers collaborate with AI agents.

The Mountain View base salary range for this full-time position is $227,000 to $277,000 plus equity and benefits. Our salary ranges are determined by role, level, and location. This is a hybrid position in Mountain View, requiring in-office work 2 days a week.

WHAT YOU'LL DO

Build and ship agent-driven chatbot and GenAI workflows that deliver real customer impact.
Own meaningful features end-to-end, from definition through design, all the way to implementation, evaluation, and impact measurement.
Work hands-on with modern AI development tools (e.g., Cursor, Codex, Claude-style assistants).
Collaborate with product, ML, and engineering teams in a fast-moving, ownership-driven culture.
Continuously explore better ways to design, iterate, and improve how we build with AI.

WHAT WE'RE LOOKING FOR

3+ years of experience in software engineering
A bachelor’s, or equivalent industry experience
A strong foundation in software engineering and thoughtful system design.
Experience writing code that is reliable, durable, and easily maintained.
Experience in proactively identifying problems, learn quickly, and taking the initiative.
Curiosity and a growth mindset with a focus on and experience stretching beyond what you already know.
Excitement about GenAI, agents, and the future of AI-assisted software development. Hands-on experience is a plus.
Experience using AI-assisted development tools (e.g., Copilot, Cursor, LLMs) is a plus

#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.

How we rate this

Machine Learning Engineer at EarnIn rates 45 out of 100 for how much of the daily work is AI. That makes it Uses AI (AI Level 2 of 4). The level is about AI in the job, not seniority.

Classification

Uses AI. An ordinary role that requires AI tools.

●●●● Builds AI80 to 100
●●●○ Works on AI60 to 79
●●○○ Uses AI40 to 59
●○○○ Little AI0 to 39

Levels come from how often the tools, models and workflows of the role are named in the posting itself. Open the description and count.

Prepare for this job

A free preview built only from this posting: what it asks for, what you could be asked in an interview, and how to adjust your resume.

Skills and AI tools this role asks for

AI AgentsClaudeCopilotCursorCodexRunway

Questions you could be asked

How do you decide when an AI agent can act on its own versus asking for approval first?
Walk me through how you've used Claude in your day-to-day work.
What are the limits of Copilot that you've run into, and how did you work around them?
What's a project where you used Cursor hands-on?
Walk me through how you've used Codex in your day-to-day work.

Adapt your resume

List these exact terms on your resume: AI Agents, Claude, Copilot, Cursor, and Codex. An applicant tracking system matches the wording, not the idea.
Attach one line of real, concrete experience to at least one of them — a tool named with nothing behind it rarely survives a human read.
Put the AI tool in a bullet point about what you did, not just in a skills list — this role treats it as a required part of the job.

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