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 experienced M&A Associate to join our Corporate Development team and drive strategic growth through high-impact transactions. In this role, you will support the full lifecycle of M&A deals - from target screening and due diligence to valuation analysis and integration planning - while preparing investment memoranda and presentations for senior management and the board. The ideal candidate will have a strong foundation in financial modeling and valuation, coupled with excellent analytical and communication skills. With at least 2+ years of investment banking experience or equivalent, you will thrive in a fast-paced, deadline-driven environment and play a critical role in shaping our company’s strategic direction.
The US base salary range for this full-time position is $150,936 - $184,478 + equity + benefits. Our salary ranges are determined by role, level, and location. This position is open to hybrid applicants based in the Bay Area. This role will require in-office work 2-3 days a week.
What You’ll Do:
- Support the end-to-end process for M&A transactions, including target screening, due diligence, valuation, and integration planning.
- Develop and maintain detailed financial models, perform valuation analyses, and assess the strategic fit of potential targets.
- Conduct industry and market research to identify trends, competitive landscapes, and strategic opportunities.
- Analyze financial statements and key performance indicators to support investment recommendations.
- Prepare investment memoranda and presentations for senior management and the board of directors.
- Work closely with internal teams including finance, legal, operations, and external advisors to ensure smooth transaction execution.
- Assist in the planning and execution of post-merger integration efforts, ensuring the realization of projected synergies.
What We’re Looking For:
- 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 in M&A transaction execution, 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.
- A collaborative mindset with a strong attention to detail.
#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.
Skills Required
- Bachelor's degree in Finance, Economics, Business, or a related field
- At least 2 years of investment banking experience or equivalent experience
- Sell-side M&A transaction execution experience
- Financial modeling, valuation, and due diligence experience
- 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
What We Do
Earnin’s mission is to build a financial system that works for people. Every year, while Americans wait for their paychecks, more than $1 trillion of their hard-earned money is held up in the pay cycle. As a result, we accumulate over $50 billion in late and overdraft fees and turn to high-interest loans. We seek to eliminate those fees and put money back into workers’ hands. Our financial system doesn’t work for people. But Earnin does. Earnin is an app that lets people get paid as soon as they leave work, with no fees, interest, or hidden costs. App users can receive their money in their bank account instantly at little or no cost — as we operate on a pay what you choose model. All they need is a bank account and a job that provides direct deposit or uses electronic timesheets. At Earnin, we’re building the way we think a financial system should work for everyone, not just the people who can afford it. We help people take control of their money and get to a better financial place. Our goal is not only to provide great products at little or no cost to the people who need them but also to inspire kindness across the financial world and eventually across all industries.
