Treasury Manager

Zilch

Greater London

On-site

GBP 60,000 - 80,000

Full time

14 days+

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Benefits offered by this job

Income Protection

Private Medical Insurance

5% back on in-app purchases

£200 for WFH Setup

Enhanced family-friendly policies

Job summary

A payment technology company in Greater London is seeking a Treasury Manager to oversee the Treasury Function including cash management and liquidity operations. The role requires someone experienced in managing securitisation debt facilities and FX risk management, with strong analytical and communication skills. Join a dynamic team that focuses on empowering customers with innovative financial solutions while supporting the company's growth ambitions.

Qualifications

Experience in managing securitisation debt facilities including lender deliverables.
Strong understanding of payment issuing and acquiring processes.
Competency in FX risk management and controls frameworks.

Responsibilities

Manage end-to-end Treasury Function and team of two Treasury Analysts.
Oversee cash flow reconciliation and daily liquidity position.
Collaborate with financial reporting for aligning liquidity with forecasts.

Skills

Experience managing securitisation debt facilities

Understanding of payment flows

FX risk management

Leading Treasury operations

Strong analytical mindset

Excellent communication skills

Team management

Tools

Atlar

Netsuite

Job description

Join to apply for the Treasury Manager role at Zilch

Zilch is a payment tech company on a mission to create the most empowering way to pay for anything, anywhere. Combining the best of debit, credit and savings, we give our customers the option to earn instant cashback or spread the cost of pricier purchases, completely interest free and with no late fees. Pretty great, right?

We started in 2018 with a small team and a big dream – to make credit accessible to all. Since then, we've achieved double‑unicorn status and taken on more than 5 million customers. There are some exciting projects coming up and we’ve got big growth plans.

About The Role.

With over 5 million active customers and over £2bn in annual funded volume, supported by multiple debt facilities, Treasury is a critical driver of Zilch’s success—providing the liquidity, risk management, and reporting capability that underpin the Group’s operations and growth.

Reporting to the Capital Markets Manager, you will be responsible for the end‑to‑end Treasury Function at Zilch and will manage a team of two Treasury Analysts. This role is suited to someone who thrives in a fast‑paced, dynamic environment and who takes ownership of ensuring that cash, liquidity, and funding operations run smoothly and reliably.

As Zilch accelerates its growth ambitions through new products and funding initiatives, the Treasury Manager will play a key role in supporting the Group to achieve these strategic objectives.

Day‑to‑Day Responsibilities

Treasury Operations & Controls

Oversee the reconciliation of issuing, acquiring, and card scheme cash flows across internal and external data sources.
Treasury Analysts will operate the 7‑day Visa scheme settlement process but as Treasury Manager, you’ll be on‑hand to provide oversight and manage contingencies.
Maintain strong oversight of the daily liquidity position and ensure cash is managed in line with Group requirements.
Refine and maintain treasury processes, with a strong focus on controls, documentation, auditability, and reporting accuracy.

Data, Reporting & Analytics

Work closely with Financial Reporting, FP&A, and Strategic Finance to align liquidity requirements with the Group’s forecasts, and provide data and insights that help drive the right decisions.
Collaborate with the Finance Data team to enhance the accuracy, automation, and timeliness of treasury‑related data flows.
Oversee the preparation and review of daily reporting outputs to senior stakeholders, ensuring insight and accuracy.
Assist with downstream processes and reporting across the wider Finance team, providing relevant analysis where required.

Debt Facility & Capital Markets Support

Provide oversight and review of debt facility reporting, contractual notices, and covenant compliance for lenders.
Support the Capital Markets Manager on new initiatives, including system or process enhancements and the integration of changes into BAU operations.
Lead the quarterly Agreed‑U‑pon‑Procedures (AUP) external audit for the Group’s securitisation debt facility.

Systems, Banking & Administration

Manage the Treasury Management System (TMS), including system administration, enhancements, and user access.
Oversee the administration and control of bank accounts, banking platforms, FX brokers, and other payment infrastructure.

What We’re Looking For…

Experience managing or supporting securitisation debt facilities, including covenant reporting, lender deliverables, and audit requirements.
Strong understanding of payment flows, particularly issuing, acquiring, and scheme settlement processes.
Competency in FX risk management, with experience in controls frameworks and hedging instruments.
Experience leading Treasury operations in a high‑growth or fast‑paced environment.
Strong analytical mindset with the ability to interpret complex data flows and identify issues quickly.
Excellent communication skills, with confidence dealing with senior stakeholders and external lenders.
Proven ability to manage, mentor, and develop a small team.

Bonus Skills.

Experience of using Atlar, or similar Treasury Management Systems
Experience of using Netsuite, or similar general ledger systems
Experience in using Visa Pre‑Funding Solutions (VPS), or similar pre‑funding collateral scheme solutions (Mastercard/Visa).

Compensation & Savings