Senior Treasury Analyst

• 8+ years of experience in treasury management and complex financial modeling
• A strong analytical mind with a keen eye for detail and the ability to manage multiple priorities
• Hybrid opportunity for US-based employees with 2-4 days weekly in-person expected out of our Manhattan office

Start your adventure with Zip

Zip’s finance team encompasses oversight into accounting, financial administration, treasury, business planning, performance and management. Their key focus is to design and implement best practice governance and performance metrics to ensure the business tracks and clearly reports its financial and commercial objectives.

Zip is looking for an exceptional Senior Treasury Analyst with a passion for finance and a keen, curiosity-led approach to support the wider team. As a Senior Treasury Analyst on our Finance team, you will report to the Senior Manager, Finance Operations and Treasury. In this role you will support world class liquidity management and reporting for a fast-growing dynamic company. In addition, you will be the principal lead for modeling and tracking Zip’s funding needs and participate in the management of the liquidity of its funding vehicles. You will work with the US Finance team and the Global Finance team, as well as coordinating with cross-function business partners to support continuing Company growth and the pursuit of excellence.

Interesting problems you'll get to solve

• Update, maintain and review daily cash flow models and reporting requirements
• Cash forecasting and management of the US funding requirements
• Complete daily and weekly funding reporting processes and liaising with funders as appropriate
• Develop positive and effective relationships with internal stakeholders including treasury, finance, risk and legal teams locally and with Zip Head Office to ensure accurate reporting of funding structures and performance metrics
• Participate in model development to manage funding, cash flows and capital structure, and help enhance our fully integrated cash flow forecasting model
• Contribute to ongoing development and refinement of funding models to include analytics to optimize funding efficiencies and forecast funding needs for new products and changes to operational aspects
• Understand effective funding rate and stress test the impact of potential funding rate changes on our cash forecast
• Support cash management and compliance with credit facility covenants
• Calculate minimum required capital covenants, ensure compliance with financial agreements and distribute reports to senior management and third parties
• Regular analysis focused on portfolio analytics and wider finance team projects
• Contribute to monthly Treasury reporting requirements and the month end close process
• Support the FP&A team with input into forecast and budgets 
• Develop and maintain working relationships with business partners and cross-functional teams at multiple levels within the organization
• Over time – engage in the additional Treasury related responsibilities:
• Help manage merchant relationships and payables ensuring accuracy in payments and reconciliation to vendor reporting
• Forecast payable needs and liaise with vendors to optimize cash flow management to a net 30-day payment schedule
• Administer Brex corporate card program, including tracking, and reconciliation of corporate card expenses
• Oversee corporate expense reimbursement process, ensuring compliance with company policies and timely reimbursements to employees
• Complete any Ad-Hoc projects that are assigned 

To help us level up, you’ll bring: 

• Minimum 8+ years’ experience with treasury management and complex financial modeling
• Experience establishing and adhering to risk and control frameworks and developing operational processes to ensure accurate financial records and reporting, as well as developing a treasury framework supported by robust operational and finance controls
• Advanced Excel/VBA user with the ability to develop and review complex models and analysis
• Ability to adapt to a changing, fast-paced environment 
• Strong analytical skills with superior attention to detail 
• Deadline driven 
• Ability to successfully manage multiple competing priorities while maintaining a view of the big picture 
• Robust interpersonal and communication skills with the ability to interact with various management levels and influence others through effective verbal and written skills
• Ability to analyze legal documents and accurately transpose to models where necessary
• Familiarity with Bill.com, Justworks, Treasury Management systems and other financial relevant financial software preferred
• Familiarity with regulatory and covenant calculations related to treasury operations and credit funding facilities

What you’ll get in return

Zip 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 culture
• Incentive programs
• 20 days PTO every year
• Generous paid parental leave
• Leading family support policies
• 100% employer covered insurance
• Beautiful Midtown office with a casual dress code
• Learning and wellness subscription stipend
• Company-sponsored 401k match

The Pay Range for this position: $120,000 - $160,000 based on the industry benchmark for position, function, level and Zip's compensation strategies. However, actual base salary will depend on varying circumstances and individualized factors, such as job-related knowledge, skills, experience, and other objective business considerations. 

Subject to those same considerations, the total compensation package for this position may also include other elements, including a bonus and/or equity awards, in addition to a full range of medical, financial, and/or other benefits. 

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 is a global ‘Buy Now, Pay Later’ company that gives our millions of customers simpler and fairer ways to pay. 

We are proud to be a global business built around our US and ANZ core markets working with merchant partners including Amazon, Best Buy, eBay and Uber. United by our mission, purpose and values - Customer First, Own It, Stronger Together & Change The Game - we are the next generation of payments, helping people across the globe to fearlessly take control of their financial future.

We are Zip, and we are just getting started.