---
title: 'Assistant Treasurer at EarnIn'
canonical: 'https://feeny.ai/job/assistant-treasurer-earnin-mountain-view-3ng0z19dtdwf'
type: 'job'
last_seen: '2026-11-01'
---

# Assistant Treasurer at EarnIn

- **Company:** EarnIn
- **Location:** Mountain View, CA
- **Posted:** 2026-10-26
- **Last confirmed live:** 2026-11-01
- **Apply:** https://job-boards.greenhouse.io/earnin/jobs/8316061

## Job description

## 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

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
- 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 lenders' requirements

Cash Operations and Liquidity

- Review and approve daily cash positioning and transfers to ensure proper funding, with appropriate 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 KYC

Banking, Payments, and Product Partnership

- 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 members of the Treasury team are out
- Review monitoring of product-related money movement across our payment rails (ACH, debit, RTP, FedNow) 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 our payment rails, covering funding flows, settlement timing, returns and exceptions, and liquidity impact
- Provide the Treasury perspective on new product launches and product changes: funding needs, cash timing, and facility eligibility
- Assist the Money Platform team on payment-related projects

Projects

- Partner with the Treasurer to define and own Treasury's AI roadmap: choose 2-3 high-value workflows (for example: covenant monitoring, lender reporting, or forecasting), build them, and measure the time saved
- Evaluate whether to invest further in Kyriba or whether AI-enabled workflows can replace it, and recommend a path forward
- Lead efforts to update our asset-backed debt operations process 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

## WHAT WE'RE LOOKING FOR

Required

- [8+] years of progressive experience in treasury, capital markets, or structured finance at a financial services company or high-growth startup, preferably in fintech
- 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, enough 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 at least solid familiarity with ACH, debit, and instant payment rails, enough to partner effectively with Engineering and Product
- Strong financial modeling and Excel expertise
- Commercial judgment: able to defend decisions by their impact on cost of funds, P&L, and liquidity
- Working knowledge of treasury controls (maker-checker, signatory governance, KYC) and audit expectations
- AI fluency: builds and scales AI-enabled Treasury workflows and evaluates tradeoffs between AI tooling and our treasury management system (Kyriba)
- Clear written and verbal communication with executives, lenders, and bank partners
- Ability to excel in a dynamic, often ambiguous environment, and to be a collaborative partner on a lean team

## Preferred

- Hands-on payment operations experience (returns, exceptions, settlement, reconciliation) and familiarity with bank integration methods (H2H, SFTP, APIs, ISO 20022)
- Kyriba or similar treasury management system experience; NetSuite exposure
- CTP, CFA, CPA, or MBA
- Passion for the fintech industry

#LI-Hybrid At EarnIn, we believe that the best way to build a financial system that works for everyday people is by hiring a team that represents our diverse community. Our team is diverse not only in background and experience but also in perspective. We celebrate our diversity and strive to create a culture of belonging. EarnIn does not unlawfully discriminate based on race, color, religion, sex (including pregnancy, childbirth, breastfeeding, or related medical conditions), gender identity, gender expression, national origin, ancestry, citizenship, age, physical or mental disability, legally protected medical condition, family care status, military or veteran status, marital status, registered domestic partner status, sexual orientation, genetic information, or any other basis protected by local, state, or federal laws. EarnIn is an E-Verify participant.

EarnIn does not accept unsolicited resumes from individual recruiters or third-party recruiting agencies in response to job postings. No fee will be paid to third parties who submit unsolicited candidates directly to our hiring managers or HR team.

## About EarnIn

## Company Overview
- **One-liner**: EarnIn is a financial technology company that pioneered earned wage access, allowing people to access their pay as they earn it without mandatory fees, interest, or credit checks.
- **Entity Type**: Private (Series C, $415.1M total funding)
- **Headquarters**: Mountain View, California, United States
- **Founded**: 2012 (launched app in May 2014)
- **Founders**: Ram Palaniappan (CEO)

## Core Business
- **Primary industry**: Financial Services / Fintech (Earned Wage Access)
- **Target customers**: B2C (individuals living paycheck to paycheck) and B2B (employers via payroll integration)
- **Mission**: To make financial momentum accessible to everyone

## Products & Services
- **EarnIn Cash (formerly EarnIn)**: The core product allowing users to access up to $750 per pay period of their earned wages instantly, with no mandatory fees, no interest, and no credit check. Transfers typically take 1–2 business days, with an option for expedited transfers for a small fee.
- **Balance Shield**: An alert system that notifies users when their bank account balance is low, helping them avoid overdraft fees.
- **Credit Monitoring**: Free credit report monitoring service, launched as the first EWA provider to offer this.
- **Live Pay**: A real-time payroll integration product that allows employees to access wages as they are earned, directly through their employer.
- **EarnIn Payroll**: A B2B payroll service offering earned wage access as an employer benefit.

## Market Standing
- **Valuation/Market Cap**: Not publicly disclosed (private company)
- **Key Metric**: $415.1M in total funding; $85M annual revenue (LinkedIn estimate)
- **Notable Investors**: Andreessen Horowitz, Matrix Partners, DST Global, Spark Capital, Ribbit Capital, Felicis, Mitsubishi UFJ Financial Group
- **Growth Signals**: 463 employees (+17.5% YoY), operates in 14 countries, 202,933 LinkedIn followers (+9.5% YoY), winner of Inc. Magazine's 2023 Best In Business Award in Economic/Financial Equity

## Competitive Advantages
- **First-mover in EWA**: One of the earliest pioneers of earned wage access, giving them brand recognition and regulatory experience.
- **No mandatory fees model**: Differentiates from payday lenders and other fintechs by not charging interest, mandatory fees, or requiring credit checks.
- **Strong investor backing**: Backed by top-tier VCs (Andreessen Horowitz, Matrix, DST, Spark Capital) and a recent $75M debt facility from Mitsubishi UFJ Financial Group, signaling financial stability.
- **Healthy core business**: Described as having a "very healthy core business with a tremendous runway" by leadership.
- **Multi-product ecosystem**: Expanded beyond EWA into credit monitoring, savings, bill reminders, and payroll services, creating a sticky user base.

## Strategic Focus
- **International expansion**: Operating in 14 countries with engineering hubs in Mexico City, Bangalore, Vancouver, and Bangkok.
- **AI and Machine Learning**: Actively hiring for Head of Machine Learning, AI Builder, and Gen AI Software Engineer roles, indicating a push toward AI-powered financial products.
- **B2B growth**: Expanding EarnIn Payroll and Live Pay as employer-integrated solutions to drive enterprise adoption.
- **Product diversification**: Moving beyond core EWA into credit monitoring, savings tools, and broader financial wellness.

## Why Work Here
- **Culture**: Values include "Customer First," "Collaborative," "Creating Impact," and "Inventive." Strong emphasis on diversity and belonging with 6 active Employee Resource Groups (ERGs).
- **Work model**: Remote and hybrid teams across 14 countries, with hubs in Mountain View (HQ), Mexico City, Bangalore, Vancouver, and Bangkok.
- **Benefits**: Competitive medical/dental/vision, 401(K) and FSA plans, generous PTO, wellness funds, parental and caregiver leave, annual stipend for education and training, mentoring program.
- **Engineering culture**: Described as having "world-class talent" with a focus on building products that deliver real-time financial flexibility. Strong technical team with roles spanning ML, AI, DevOps, mobile, and platform engineering.
- **Growth trajectory**: 17.5% YoY headcount growth, operating in 14 countries, with a "very healthy core business" and "tremendous runway" according to leadership.
- **Employer rating**: 4.2/5 on LinkedIn, with compensation rated 4.3/5.

## Sources
1. [earnin.com](https://www.earnin.com/)
2. [earnin.com/careers](https://www.earnin.com/careers)
3. [boards.greenhouse.io/earnin](https://boards.greenhouse.io/earnin)
4. [linkedin.com/company/earnin](https://www.linkedin.com/company/earnin)
5. [earnin.com/press](https://www.earnin.com/press)

## Other roles at EarnIn

- [Senior Software Engineer](https://feeny.ai/job/senior-software-engineer-earnin-vancouver-jp3711w9y7rz) — Vancouver, Canada
- [Senior Platform Engineer](https://feeny.ai/job/senior-platform-engineer-earnin-mountain-view-17bxfmh9zx6h) — Mountain View, CA
- [Senior Platform Engineer](https://feeny.ai/job/senior-platform-engineer-earnin-mountain-view-aa4vghfx2cpm) — Mountain View, CA
- [Senior Staff Software Engineer - Identity & Trust](https://feeny.ai/job/senior-staff-software-engineer-identity-trust-earnin-united-states-w93md3tgzp6m) — United States
- [Head of Communications](https://feeny.ai/job/head-of-communications-earnin-mountain-view-9vc81k0a7nq7) — Mountain View, CA
- [Senior Product Designer (Growth)](https://feeny.ai/job/senior-product-designer-growth-earnin-mountain-view-facxev2xbp8c) — Mountain View, CA
- [Senior Software Engineer](https://feeny.ai/job/senior-software-engineer-earnin-mexico-city-kgt5ajrc6jcs) — Mexico City, Mexico
- [Senior HR Generalist](https://feeny.ai/job/senior-hr-generalist-earnin-mexico-city-p9r4zvvz3a4j) — Mexico City, Mexico
- [Senior Strategy & Operations Manager](https://feeny.ai/job/senior-strategy-operations-manager-earnin-mountain-view-ggaczrw7nj5n) — Mountain View, CA
- [Senior Product Builder](https://feeny.ai/job/senior-product-builder-earnin-mountain-view-faxfnvkhtr6y) — Mountain View, CA