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

We are seeking an Assistant Treasurer to join our lean, high-impact Treasury team and report to the Treasurer. Our Treasury team runs day-to-day cash, debt, and banking operations. This is an individual contributor role with no direct reports, but you will share leadership responsibilities as the most senior individual reporting to the Treasurer. You will review and approve the Treasury team’s work, with enough hands-on depth to check it closely, and you will own the analytics, processes, and controls for our asset-backed warehouse facilities, corporate facility, cash, and liquidity. You will partner with the Treasurer on lender and partner negotiation, diligence, and financing execution, and with Product and Engineering on our payment rails and product rollouts. We need someone who understands the big picture, has strong financial judgment, can dig into the details, and can clearly explain issues in a highly dynamic environment to audiences across the company and external partners. Treasury experience within a FinTech or other financial institution is highly valued. As a senior individual contributor, you will also help set how Treasury uses AI.

The US base salary range for this full-time position is $213,210 - $260,590 + equity + benefits. Our salary ranges are determined by role, level, and location. This position is open to hybrid applicants based in the SF Bay Area. This role will require in-office work 2-3 days a week.

WHAT YOU'LL DO

Debt Operations and Capital Structure

Review and approve advances, paydowns, and borrowing base calculations across our warehouse facilities and corporate facility, with a focus on optimizing our cost of funds
Review daily and transactional operational reporting for lenders and backup servicer, including cash recycling, servicer reports, and allocation of assets across facilities, before it goes out
Review and sign off on all compliance reporting; monitor covenant headroom and own debt compliance
Partner with the Treasurer in lender and partner negotiation, diligence, and financing execution, including term sheet analysis, data room preparation, lender Q&A, legal documentation, and support for corporate development deals
Partner with Risk and Product to ensure servicing and underwriting policy changes are reflected in eligibility criteria and lender reporting