Treasury Analyst

This is a fully remote position, open to applicants in United States.

📋 Description

• Assist in forecasting, tracking borrowing base and availability, monitoring covenants, and preparing lender reports.

• Take ownership of and verify cash flow forecast data inputs, including collections, originations, payroll schedules, vendor payment timelines, and facility draw activities.

• Evaluate discrepancies between forecasted and actual cash flows while supporting scenario and sensitivity analysis.

• Gather borrowing base information from warehouse facilities and generate borrowing base certificates.

• Keep records of facility positions, draws, paydowns, and availability updates.

• Calculate and verify covenant compliance for bank partners, warehouses, and securitization facilities.

• Monitor compliance thresholds, identify potential issues, and prepare covenant compliance certificates.

• Create and reconcile data packages and preliminary drafts for lender and investor reporting.

• Oversee reporting schedules and assist with ad hoc requests for lender data.

• Develop data inputs and draft outputs for daily cash, weekly liquidity, and monthly funding reports.

• Maintain reporting templates and assist with additional analyses as needed.

• Collaborate closely with the Director of Liquidity, Funding & Reporting, as well as the Senior Treasury Operations Analyst.

• Contribute to Zip’s cash management and treasury functions within its fintech and lending operations.

⛳️ Requirements

• Minimum of 2 years of experience in treasury, finance operations, FP&A, or financial services roles.

• Proficiency in Excel or Google Sheets, including the ability to create and manage structured reports and work effectively with financial datasets.

• Familiarity with financial reporting, data management, or analytical support in a structured setting.

• Basic understanding of financial concepts and a keen attention to detail.

• Experience in a lending, fintech, or financial services environment is highly advantageous.

• Exposure to credit facilities, lending operations, or structured finance is beneficial but not mandatory.

• Strong organizational skills to manage multiple recurring tasks accurately and punctually.

• Proactive in identifying issues early, asking insightful questions, and keeping stakeholders informed.

• Self-motivated with a sense of ownership over recurring responsibilities.

• Must align with Zip’s core values.

• Candidates must be based in the United States.

• Visa sponsorship is not available for this role.

🏝️ Benefits

• Flexible working culture.

• Incentive programs.

• Unlimited PTO.

• Generous paid parental leave.

• Comprehensive family support policies.

• Company-sponsored 401k matching.

• Stipend for learning and wellness subscriptions.

• Beautiful office in Union Square with a casual dress code.

• Industry-leading, employer-sponsored insurance options for you and your dependents, including several 100% Zip-covered choices.

• Opportunities for potential bonuses and/or commission awards.

• Medical, financial, and additional benefits.