Treasury Analyst

Treasury AnalystJoin a Cash Management & Treasury Operations (CMTO) team that takes operational discipline and analytical rigor seriously, because our daily work directly affects how the business manages its cash and meets its obligationsSupport forecasting, borrowing base and availability tracking, covenant monitoring, and lender reporting using strong spreadsheet skills and a solid grasp of financial dataRemote-first opportunity for US-based employees with the option to work in-person out of our Manhattan officeStart your adventure with ZipAs a Treasury Analyst, you sit at the center of CMTO's daily analytical and operational rhythm, working closely with the Director of Liquidity, Funding & Reporting and the Senior Treasury Operations Analyst. You are the connective tissue between analysis and execution: gathering the data that feeds the cash flow forecast, preparing the reports that go to lenders, tracking covenant and availability positions, and making sure routine monitoring happens consistently and accurately, so the Director can focus on the judgment calls that need deeper expertise. You will grow quickly here, building a genuine understanding of how a treasury function operates across forecasting, lender management, and cash operations.Our Cash Management and Treasury Operations group sits at the intersection of the business, its funding structures, and day-to-day cash execution. It is a great place to develop deep treasury knowledge and grow within a fast-moving fintech and lending business.Interesting problems you'll get to solveOwn and validate the data inputs behind the cash flow forecast (collections, originations, payroll timing, vendor payment schedules, and facility draw activity), keeping assumptions documented and investigating anomalies so the model is always traceable and auditableAnalyze variances between forecast and actual cash movements, flag and explain meaningful deviations to the Director, and support scenario and sensitivity analysis with prepared data sets, output summaries, and recommendationsCompile daily and weekly borrowing base data across all warehouse facilities and prepare borrowing base certificates for Director review and sign-offMaintain a clean, current record of facility positions, draws, paydowns, and availability, and flag threshold proximity to the Director earlyCalculate and validate covenant compliance across bank partner, warehouse, and securitization facilities, keeping a monitoring tracker with current positions, thresholds, and next reporting datesFlag approaching thresholds and escalate potential compliance items ahead of reporting deadlines, and prepare covenant compliance certificates for Director review and deliveryPrepare and reconcile data packages and report drafts for lenders and investors, including securitization reporting inputs, and partner with the Senior Treasury Operations Analyst so operational cash data flows accurately into lender reportsRun the reporting calendar across all facilities and counterparties so no deadline is missed, and support ad hoc lender data requests by gathering and organizing information for Director reviewBuild the data inputs and draft outputs for the internal reporting suite (daily cash, weekly liquidity, monthly funding summary), maintain reporting templates, and support ad hoc analyses by gathering data and summarizing findingsWhat you'll bring to the team2+ years of experience in a treasury, finance operations, FP&A, or financial services roleExcel or Google Sheets proficiency, including building and maintaining structured reports and working confidently with financial data setsFamiliarity with financial reporting, data management, or analytical support in a structured environmentA working understanding of basic financial concepts and the attention to detail to catch errors before they go furtherExperience in a lending, fintech, or financial services environment is a strong plus; exposure to credit facilities, lending operations, or structured finance is a plus but not requiredThe organization to manage multiple recurring tasks accurately and on schedule without being chasedThe habit of flagging issues early, asking good questions, and keeping the people around you informedA self-starter mindset: you take ownership of your recurring responsibilities, look for ways to improve the processes you run, and want to understand the why behind treasury and funding workClear alignment with Zip's core valuesWhat you'll get in returnZip is a place where you'll get out what you put in. The newness of our sector means we need to move at pace and embrace change, and our promise to you when you join the team is that you'll feel empowered and trusted to make big things happen quickly.We want you to feel welcome and as though you have the support to be yourself, and care for yourself at work. Because it's important to us that you make the most of the opportunities you'll get to grow your skills and your career, and be surrounded by smart, friendly people and leaders that have your back.We think these are just some of the best things about being a Zipster. We will also offer you:Flexible working cultureIncentive programsUnlimited PTOGenerous paid parental leaveLeading family support policiesCompany-sponsored 401k matchLearning and wellness subscription stipendBeautiful Union Square office with a casual dress codeIndustry-leading, employer-sponsored insurance for you and your dependents, with several 100% Zip-covered choices availableZip is committed to a straightforward and transparent pay structure. The actual base salary will be determined by various individualized factors, including job-related knowledge, skills, experience, location, internal equity, as well as other objective business considerations.The annual base Pay Range for this position is $107k - $130k. This range reflects our US national compensation band (USN). Additional premium percentages may apply based on our tiered premium strategy.Subject to those same considerations, the total compensation package for this position may also include other elements, including a bonus and/or commission awards, in addition to a full range of medical, financial, and/or other benefits.*Please note that visa sponsorship is not available for this position.If hired, employees will be in an 'at-will position' and the Company reserves the right to modify base salary (as well as any other discretionary payment or compensation or benefit program) at any time, including for reasons related to individual performance, Company or individual department/team performance, and market factors.Be a part of a team that reflects the diversity of our customersWe pride ourselves on being a workplace that provides equal opportunities to people of all ages, cultural backgrounds, sexual orientations, gender identities, abilities, veteran status, and everything else that makes you unique.Equally, we're committed to ensuring our recruitment processes are accessible and inclusive. Please let us know If there are any adjustments that need to be made to ensure you have a fair and equitable experience.And finally…get to know usZip Co Limited (ASX: ZIP) is a digital financial services company, offering innovative, people-centered products.Operating in two core markets - Australia and New Zealand (ANZ) and the US, Zip offers access to point-of-sale credit and digital payment services, connecting millions of customers with its global network of tens of thousands of merchants. We're proud to be a values-led business and our values - Customer First, Own it, Stronger Together and Change the Game - guide us in everything we do.