M&A Analyst

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 executing M&A transactions, 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. 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. Voluntary Self-Identification For government reporting purposes, we ask candidates to respond to the below self-identification survey.Completion of the form is entirely voluntary. Whatever your decision, it will not be considered in the hiringprocess or thereafter. Any information that you do provide will be recorded and maintained in aconfidential file. As set forth in EarnIn's Equal Employment Opportunity policy,we do not discriminate on the basis of any protected group status under any applicable law. If you believe you belong to any of the categories of protected veterans listed below, please indicate by making the appropriate selection.As a government contractor subject to the Vietnam Era Veterans Readjustment Assistance Act (VEVRAA), we request this information in order to measurethe effectiveness of the outreach and positive recruitment efforts we undertake pursuant to VEVRAA. 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An "Armed forces service medal veteran" means a veteran who, while serving on active duty in the U.S. military, ground, naval or air service, participated in a United States military operation for which an Armed Forces service medal was awarded pursuant to Executive Order 12985. A Note on AI in the Hiring Process: EarnIn may use Artificial Intelligence (AI)-powered tools during the hiring process, including tools that (i) generate summaries or notes for interviewers, (ii) review resumes, (iii) assist with scheduling interviews, (iv) help identify themes across candidate responses and profiles for a given role, and (v) assist with populating the interview scorecard. Final hiring decisions are made by human interviewers and hiring managers. If you have any questions about the use of AI in our hiring process or if you would like to opt out, please follow the "Learn More" link below. Opting out will not negatively affect your candidacy or evaluation. #J-18808-Ljbffr EarnIn