Finance & Business Operations Manager – Fintech

Earnr; Sydney; Híbrido; AUD 150.000 - 190.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Competitive base salary

Performance-based bonus

Equity options

Exposure to senior banking & markets

Descripción de la vacante

Earnr is a fast‑growing Australian fintech enabling savers with high‑quality cash management tools and competitive returns. This Sydney‑based role places you at the heart of finance, treasury, risk and operations, reporting directly to the CEO and collaborating with engineering to automate processes.

You will own treasury and financial reporting, drive liquidity planning, and deliver robust risk analytics in a regulated fintech environment.

Formación

• 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 and ability to explain underlying transactions.
• Strong analytical and financial modelling skills with a nose for trends.

Responsabilidades

• Take ownership of day-to-day operations across Earnr's fund, SPV and corporate entities, including treasury, accounting, processes and governance.
• Control cash movements, allocations, maturities, bank accounts, payments and reconciliations; maintain treasury controls.
• Manage daily and monthly liquidity positions across trust entities, including cash flow forecasting and funding needs.
• Provide escalation support for customer and transaction enquiries requiring financial, treasury or risk expertise.
• Manage monthly risk exposure reporting, monitoring portfolio concentrations, capital buffers and risk tolerances.
• Act as the commercial voice of finance; analyse product economics and pricing to inform leadership decisions.
• Maintain and improve controls for audits, AML/CTF, tax and regulatory reporting.

Conocimientos

Autonomous

Commercial acumen

Excellent communicator

Technology-minded

Strong analytical skills

Educación

Accounting or Finance degree

CA/CPA/CFA (nice to have)

Descripción del empleo

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.

Working autonomously and supported by our automated financial and operational systems, you’ll own liquidity and treasury management, financial and risk reporting, and day‑to‑day operations.

You’ll be a commercially minded, confident communicator who partners directly with the CEO, turning financial and operational insight into decisions.

Strong analytical skills, sound risk awareness, and the ability to understand how a regulated financial services business operates end‑to‑end, are critical.

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 spventities, 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 exposure reporting, including monitoring portfolio concentrations, capital buffers and risk tolerances, and conducting scenario analysis and stress testing.
• Act as the commercial voice of finance: analyse product economics, margins and business drivers, and bring clear, well‑argued recommendations to the CEO and leadership team on pricing, funding and strategy.
• 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

• Autonomous and Driven – you take full ownership of outcomes with minimal direction, spot issues before they’re raised, and hold yourself to a high standard in a small, high‑performing team.
• Strong Commercial Acumen – you understand the customer journey, the business landscape, what drives margin and growth, and how customer outcomes connect to commercial performance.
• Excellent Communicator – you write clear, concise reports, explain complex financial matters simply, and engage and influence senior stakeholders, investors and counterparties with confidence.
• 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.

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.
• Proven ability to turn financial and business data into clear, compelling reports and recommendations that influence decisions at board and executive level.
• Track record of operating independently in a fast-moving environment, with sound commercial judgement and a bias for action.

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.

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.