Assistant Treasurer

EarnIn•Mountain View, CA

4d•$213,210 - $260,590•Hybrid

About The Position

EarnIn is seeking an Assistant Treasurer to join its lean, high-impact Treasury team and report to the Treasurer. This is a senior individual-contributor role with no direct reports. The Assistant Treasurer shares leadership responsibilities as the most senior individual reporting to the Treasurer, reviews and approves Treasury work, and owns analytics, processes, and controls for asset-backed warehouse facilities, the corporate facility, cash, and liquidity. The role partners with the Treasurer on lender and partner negotiations, diligence, and financing execution, and works with Product and Engineering on payment rails and product rollouts. Treasury experience within a FinTech or other financial institution is highly valued. The role will also help define how Treasury uses AI. The position is open to hybrid applicants based in the San Francisco Bay Area and requires in-office work 2–3 days per week. The US base salary range is $213,210–$260,590, plus equity and benefits.

Requirements

Bachelor’s degree in Finance, Economics, Business, or a related field.
Ideally 2+ years as an Investment Banking Analyst or equivalent experience.
Demonstrated sell-side experience executing M&A transactions, including financial modeling, valuation, and due diligence.
Strong financial, research, analytical, and quantitative skills.
Excellent written and verbal communication skills.
Ability to manage multiple projects in a fast-paced, deadline-driven environment.
Collaborative mindset and strong attention to detail.

Nice To Haves

Treasury experience within a FinTech or other financial institution.

Responsibilities

Review and approve advances, paydowns, and borrowing-base calculations across warehouse and corporate facilities, with a focus on optimizing cost of funds.
Review daily and transactional operational reporting for lenders and the backup servicer, including cash recycling, servicer reports, and asset allocation across facilities.
Review and approve compliance reporting, monitor covenant headroom, and own debt compliance.
Partner with the Treasurer on lender and partner negotiations, 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.
Ensure annual lender examinations are completed on time and without significant findings.
Partner with Engineering to develop and enhance debt-related reporting to meet lender requirements.
Review and approve daily cash positioning and transfers to ensure appropriate funding and segregation of duties.
Review and challenge short-term cash and liquidity forecasts, back-test and improve forecast accuracy, and make liquidity decisions.
Design and oversee cash-management and payments controls, including maker-checker discipline, signatory governance, and bank-account entitlements and KYC.
Serve as an escalation point for banking, debt, and payment partners when reporting or operational problems arise, and step in directly when needed.
Provide backup coverage for cash, debt, and payment operations when Treasury team members are out.
Review monitoring of product-related money movement across ACH, debit, RTP, and FedNow payment rails, and make escalation decisions quickly.
Partner with the Treasury Manager to diversify and optimize payment relationships.
Partner with Engineering and Product on payment-rail design, changes, and troubleshooting, including funding flows, settlement timing, returns and exceptions, and liquidity impact.
Provide Treasury input on new product launches and product changes, including funding needs, cash timing, and facility eligibility.
Assist the Money Platform team with payment-related projects.
Partner with the Treasurer to define and own Treasury’s AI roadmap, select high-value workflows, build them, and measure time saved.
Evaluate further investment in Kyriba versus AI-enabled workflows and recommend a path forward.
Lead updates to asset-backed debt operations processes to finance new products and support product evolution.
Work with Accounting to implement a cash reconciliation tool for all entities and bank accounts.
Review and approve Treasury team work, providing hands-on oversight and quality control.