Treasury Analyst

The posting, as Zip Co Limited wrote it

• Join 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 obligations
• Support forecasting, borrowing base and availability tracking, covenant monitoring, and lender reporting using strong spreadsheet skills and a solid grasp of financial data
• Hybrid Opportunity: Work in a flexible environment with a minimum of 2 days per week in our Manhattan office, collaborating with a dynamic team.

Start your adventure with Zip

As 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 solve

• Own 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 auditable
• Analyze 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 recommendations
• Compile daily and weekly borrowing base data across all warehouse facilities and prepare borrowing base certificates for Director review and sign-off
• Maintain a clean, current record of facility positions, draws, paydowns, and availability, and flag threshold proximity to the Director early
• Calculate and validate covenant compliance across bank partner, warehouse, and securitization facilities, keeping a monitoring tracker with current positions, thresholds, and next reporting dates
• Flag approaching thresholds and escalate potential compliance items ahead of reporting deadlines, and prepare covenant compliance certificates for Director review and delivery
• Prepare 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 a

[…]
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 customers

We 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 us

Zip 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.

I acknowledge by clicking "Submit Application", that the information provided is true and correct. I also understand that any willful dishonesty may render for refusal of this application or immediate termination of employment. By providing your information, you acknowledge that you have read our Zip Applicant and Candidate Privacy Notice and authorize Zip to process your data subject to those terms. Zip participates in the federal government’s E-Verify program. #LI-Remote

Before you apply, give Zip a try -> rebrand.ly/check-zip-out