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 looking for an experienced professional to partner directly with Engineering, Product, and Risk C-suite executives and their teams to support our growth strategy, allocate resources, optimize performance, and bring a financial lens to investment decision making. This highly visible role will also own all COGS elements of EarnIn. The role will report to the Head of FP&A.
This position will be ideally hybrid from our Mexico City office as part of our expanding site location. EarnIn provides excellent benefits for our employees including healthcare, internet/cell phone reimbursement, a learning and development stipend, and potential opportunities to travel to our Palo Alto HQ. Our salary ranges are determined by role, level, and location.
What You'll Do:
- Directly partner with executive and functional leadership to create budgets, monthly forecast updates, and hiring plans.
- Lead monthly and quarterly expense variance analysis and commentary as well as regular headcount reconciliation.
- Coordinate the monthly close cycle and creation of results packages with the Accounting team and other members of FP&A team.
- Develop and enhance standard and ad hoc financial analyses and metrics to provide operational insight to business leaders.
- Assist in driving long range strategic company planning.
- Communicate business objectives and performance indicators and trends to key stakeholders.
- Design, automate, and optimize flexible FP&A processes and systems to help support and scale the organization.
What We’re Looking For:
- Bachelor’s degree in finance, accounting, or other relevant area of study, or equivalent work experience required, MBA a plus.
- Superior English language skills (written and spoken).
- 3+ years of relevant experience, including within FP&A at a high-growth company or other highly analytical position.
- Detail-oriented, yet able to communicate results in a simple and succinct manner as possible across the organization.
- Strong analytical skills and experience with complex financial modeling.
- Firm grasp of relevant accounting concepts and their implications.
- Experience with planning and analytics tools. Pigment and NetSuite experience is a plus..
- Experience in Fintech, Financial Services, or Banking is a plus.
- Collaborative mindset and experience acting as a finance business partner.
- Ability to thrive in a dynamic, often ambiguous environment.
- Experience building processes and systems to support a high-growth company.
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.
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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.
