Senior Machine Learning Analyst

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

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.

This position will be hybrid from our Bengaluru office, as part of our expanding site, with 2+ days in the office. EarnIn provides excellent employee benefits, including healthcare, internet/cell phone reimbursement, a learning and development stipend, and opportunities to collaborate with and travel to our Mountain View HQ and Bangkok Site. Our salary ranges are determined by role, level, and location.

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.
• Own the chatbot quality loop end-to-end, from prompt design, retrieval tuning, failure-mode analysis, regression test sets, hallucination, to PII-leak monitoring.
• 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

• 5+ years in an applied ML / data science / analyst role, ideally with at least 1–2 years in LLM/GenAI-specific work.
• Strong SQL - you should be comfortable writing queries against messy production data. Bonus: Databricks/Spark.
• Working Python for analysis, prompt iteration, eval harnesses, and notebooks (Pandas, scikit-learn, basic LangChain/LlamaIndex/DSPy or equivalent).
• Practical GenAI experience — prompt engineering, RAG architectures, structured output (JSON/tool use), eval design, dealing with hallucination and prompt injection in production.
• A track record of A/B-tested wins.
• Strong product instincts in the customer support domain.
• Experience in proactively identifying problems, learning quickly, and taking the initiative.
• Curiosity and a growth mindset with a focus on and experience stretching beyond what you already know.