User and company experience and payouts are awarded only for jobs completed in Masterclass or Realistic. Arcade jobs do not earn experience or balance, but their financials are still shown in the ranking listing.
If damage is acquired in Masterclass or Realistic and the job ends up downgraded to a lower ranking, that damage is still recorded as an expense in the original ranking. Insurance covers part of the damage but an insurance cost is also applied, calculated from the damage percentage in that ranking.