Assistant Treasurer

EarnIn•Mountain View, CA

2d•Hybrid

About The Position

EarnIn is seeking an Assistant Treasurer to join its lean Treasury team and report to the Treasurer. This is a senior individual-contributor role with no direct reports, but it shares leadership responsibilities as the most senior individual reporting to the Treasurer. The Assistant Treasurer reviews and approves the Treasury team’s 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 collaborates with Product and Engineering on payment rails and product rollouts. The position calls for strong financial judgment, hands-on attention to detail, and the ability to explain issues clearly to internal and external audiences in a dynamic environment. Treasury experience in FinTech or another financial institution is highly valued. The role also helps set Treasury’s use of AI by identifying and developing high-value workflows, evaluating whether AI-enabled processes can replace or complement Kyriba, and measuring efficiency gains. The Assistant Treasurer will help adapt asset-backed debt operations to support new and evolving products and work with Accounting on a cash reconciliation tool. This full-time 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 company or other financial institution is highly valued.

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 lender and backup-servicer reporting, including cash recycling, servicer reports, and asset allocation across facilities.
Review and sign off on 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 corporate-development deal support.
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 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, ensuring proper funding and segregation of duties.
Review and challenge short-term cash and liquidity forecasts, back-test them, improve their accuracy, and make liquidity decisions.
Design and oversee controls for cash management and payments, 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 intervene directly when needed.
Provide backup coverage for cash, debt, and payment operations when Treasury team members are absent.
Review monitoring of product-related money movement across ACH, debit, RTP, and FedNow payment rails, and make timely escalation decisions.
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, exceptions, and liquidity impacts.
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 2–3 high-value workflows, build them, and measure time saved.
Evaluate whether to invest further in Kyriba or recommend replacing it with AI-enabled workflows.
Lead updates to asset-backed debt operations to finance new products and support product evolution.
Work with Accounting to implement a cash reconciliation tool covering all entities and bank accounts.