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EarnIn

On-demand wage access via app

Assistant Treasurer

TreasuryConfirmed live in the last 24 hours
Full-timeMountain View, CA, USA

About the Job

Requirements

  • At least 8 years of progressive experience in treasury, capital markets, or structured finance at a financial services company or high-growth startup; fintech experience is preferred.
  • Hands-on experience with warehouse, securitization, or forward-flow facilities, including borrowing bases, lender reporting, and covenant compliance.
  • Deep operational understanding of debt, cash, and banking processes, with the ability to review others’ work closely, catch errors, and step in when needed.
  • Experience supporting credit agreement amendments, new facility diligence, and financing execution alongside a Treasurer or head of capital markets.
  • Payment operations experience, or solid familiarity with ACH, debit, and instant payment rails, sufficient to partner effectively with Engineering and Product.
  • Strong financial modeling and Excel expertise.
  • Commercial judgment and the ability to defend decisions based on their impact on cost of funds, profit and loss, and liquidity.
  • Working knowledge of treasury controls, including maker-checker, signatory governance, and know-your-customer requirements, and audit expectations.
  • Fluency with artificial intelligence, including building and scaling AI-enabled Treasury workflows and evaluating tradeoffs between AI tooling and Kyriba.
  • Clear written and verbal communication with executives, lenders, and bank partners.
  • Ability to work effectively in a dynamic, often ambiguous environment and collaborate on a lean team.

Responsibilities

  • Review and approve advances, paydowns, and borrowing base calculations across warehouse and corporate facilities, focusing 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, before distribution.
  • 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 questions and answers, 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 with no significant findings.
  • Partner with Engineering to develop and enhance debt-related reporting in accordance with lender requirements.
  • Review and approve daily cash positioning and transfers to ensure proper funding and segregation of duties.
  • Review and challenge short-term cash and liquidity forecasts, including back-testing and improving accuracy over time, and make liquidity decisions.
  • Design and oversee the control framework for cash management and payments, including maker-checker discipline, signatory governance, and bank account entitlements and know-your-customer requirements.
  • Serve as the 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 absent.
  • Review monitoring of product-related money movement across ACH, debit, RTP, and FedNow payment rails and decide on escalations quickly.
  • Partner with the Treasury Manager to diversify and optimize payments relationships.
  • Partner with Engineering and Product on the design, changes, and troubleshooting of payment rails, covering funding flows, settlement timing, returns and exceptions, and liquidity impact.
  • Provide the Treasury perspective 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 artificial intelligence roadmap, select two or three high-value workflows such as covenant monitoring, lender reporting, or forecasting, build them, and measure time saved.
  • Evaluate whether to invest further in Kyriba or whether artificial-intelligence-enabled workflows can replace it, and recommend a path forward.
  • Lead efforts to update asset-backed debt operations processes to finance new products and support product evolution.
  • Work with the Accounting team to implement a cash reconciliation tool for all entities and bank accounts.
  • Review and approve the Treasury team’s work while maintaining sufficient hands-on depth to check it closely.
  • Own analytics, processes, and controls for asset-backed warehouse facilities, the corporate facility, cash, and liquidity.
  • Partner with Product and Engineering on payment rails and product rollouts.
  • Help set how Treasury uses artificial intelligence.

Desired Qualifications

  • Treasury experience within a fintech or other financial institution is highly valued.
  • Hands-on payment operations experience, including returns, exceptions, settlement, and reconciliation, and familiarity with bank integration methods such as host-to-host, secure file transfer protocol, application programming interfaces, and ISO 20022.
  • Experience with Kyriba or a similar treasury management system; exposure to NetSuite.
  • Certified Treasury Professional, Chartered Financial Analyst, Certified Public Accountant, or Master of Business Administration credential.
  • Interest in the fintech industry.

About the Company

EarnIn

On-demand wage access via app

EarnIn provides wage access through a mobile app, allowing users to cash out a portion of their earned wages before payday without traditional fees or interest. Users choose how much to withdraw, with the deduction taken from their next paycheck; Balance Shield automates savings by topping up if balance falls too low; Tip Jar encourages saving and community contributions. The model relies on voluntary payments from users, enabling pay-what-you-want contributions rather than mandatory fees. The company emphasizes a community-driven approach to financial fairness and security with 256-bit encryption.

Company size
501-1,000
Company stage
Debt Financing
Total funding
$565.1M
Headquarters
Mountain View, CA
Founded
2012

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