About Us
Earnr is a non-bank savings platform built by former leaders at Australia’s major banks. With banks skewed to favour borrowers over savers, and boutique investment groups catering to a privileged few, we put savers at the heart of everything we do. Our mission is simple: to help Australian consumers and businesses optimise the return on every dollar, safely. We give Australians access to cash management tools and a range of income accounts offering returns of up to 7.35% p.a. Powered by our proprietary in-house technology, we’ve handled hundreds of millions of dollars in savings flows for home-savers, individuals, businesses, trusts, SMSFs, and fund managers. But we’re just getting started. We’re hiring a small number of exceptional people to help take Earnr to more Australians
- and become the number one platform Australian consumers and businesses turn to for their savings.

About the role
This broad, hands-on role puts you at the heart of Earnr, with visibility across the entire business. Supported by our automated financial and operational systems, you’ll own liquidity and treasury management, financial and risk reporting, and day-to-day business operations. You'll need strong analytical skills, sound risk awareness, and the ability to understand how a regulated financial services business operates end-to-end. The role will suit someone with strong technical skills in accounting and finance, who wants a broader remit across treasury, operations, credit and risk management. You’ll be technology-savvy and excited to work with our engineering team to continually improve how the business operates. What You’ll Do
• Take ownership of day-to-day operations across Earnr's fund, SPV and corporate entities, including treasury, accounting, processes and operational governance.
• Control cash movements, allocations, maturities, bank accounts, payments and reconciliations, resolving exceptions and maintaining treasury controls.
• Manage daily and monthly liquidity positions across trust and spv entities, including cash flow forecasting and upcoming funding requirements.
• Provide escalation support for customer and transaction enquiries requiring financial, treasury or risk expertise.




• Manage monthly risk and credit exposure reporting, including monitoring portfolio concentrations, capital buffers and risk tolerances, and conducting scenario analysis and stress testing.
• Monitor product rates, economics and margins, analysing trends and business drivers to support commercial and treasury decisions.
• Maintain and improve operational controls supporting risk approvals, audits and compliance obligations, including AML/CTF, product disclosure and relevant tax requirements.
• Own financial and treasury reporting for management, shareholders and investors, including monthly close and management accounts, and support annual financial statements, audit, tax and regulatory reporting.
• Work closely with product and engineering to continually improve and automate financial, risk and operational processes, leveraging our technology, data and AI capabilities.
• Manage banking and financial services counterparty relationships, support commercial discussions and work with the CEO on strategic initiatives. About you
• Driven and Independent – you thrive in a small, high-performing team, take ownership and enjoy hands-on responsibility. you're ambitious and want to make a real difference.
• Commercial and Customer-Centric – you want to understand the customer journey, the drivers of the business and how customer outcomes connect to commercial performance.
• Passionate about Financial Services – you have a genuine interest in economics, financial markets and helping Australians get more from their savings.
• Technology-Minded – you're interested in how modern financial services businesses operate and can demonstrate how you've used technology, automation and AI to improve the way you work.
• Excellent Communicator – you write clear, concise reports, explain complex matters simply and engage confidently with colleagues,



customers and counterparties. Skills and Experience
• 5+ years’ experience in accounting, finance, treasury or banking.
• Degree with a major in Accounting or Finance; a double degree with Law is highly regarded.
• Practical experience in treasury and risk management, financial reporting and cash flow forecasting.
• First-principles financial understanding
- you can construct financial statements from the ground up and explain the underlying transactions that drive them.
• Strong analytical and financial modelling skills, with an eye for trends, anomalies and underlying business drivers.
• Ability to translate financial and business data into clear, concise and compelling reports that explain what the numbers mean to boards, investors and customers. Nice to have
• CA, CPA, CFA or similar qualification (completed or in progress).
• Experience in regulated financial services, fintech, lending, funds management or investment operations.
• Exposure to credit analysis, risk decisioning or counterparty management, or a strong interest in developing these skills.
• Experience accounting platforms like Xero. Location and role type Full time Sydney-based role. We work in a hybrid environment with minimum four days in our CBD office. Why Earnr You'll see the direct impact of your work in improving the financial wellbeing of Australian households. You'll have exceptional opportunities to learn and grow, and the chance to share in Earnr's upside through employee share options. If you're smart, driven, and deliver outstanding results for customers
- you'll be backed. In addition to joining a high-growth organisation where you can make a meaningful impact, you'll enjoy:
• Competitive base salary plus superannuation.
• Performance-based cash bonus – we reward outperformance.
• Equity options – share in what you're helping to build.
• Direct exposure to senior banking, credit, and financial markets expertise.

How to apply
To apply, submit via LinkedIn or email [email protected] the following:
• A succinct cover letter or video link
• Your CV and copy of your academic transcript.

📌 Finance & Business Operations Manager – Fintech (Sydney)
🏢 Earnr
📍 Sydney