Senior Manager, Treasury & Capital Markets

BMG Money; United States; On-site; USD 120,000 - 180,000; Full time

Job summary

A financial technology company in the United States is seeking a Senior Manager of Treasury & Capital Markets to optimize liquidity and funding infrastructure. Key responsibilities include leading a team, overseeing cash positioning, and developing cash flow forecasts. Candidates should have over 8 years of experience in Treasury or Capital Markets, with advanced skills in SQL and Excel, and a degree in finance. The role involves building effective communication between finance departments and external lenders.

Qualifications

• Minimum of 8 years of progressive experience in Treasury, Capital Markets, or Financial Analysis.
• At least 3+ years of experience in the Fintech or Specialty Finance sector.
• Proven ability to bridge the gap between money management and data analysis.

Responsibilities

• Lead a team of analysts focusing on data integrity and proactive risk management.
• Oversee borrowing bases and ensure accuracy in debt facilities.
• Develop high-fidelity cash flow forecasts and actionable insights for executives.

Skills

SQL

Excel

TMS/BI

Analytical Mindset

Communication

Education

Bachelor’s degree in Finance, Accounting, or Economics

MBA, CTP, or CFA preferred

Tools

Treasury Management Systems

Looker/Tableau

Job description

About BMG Money Our mission is to provide affordable and responsible credit to help everyday people overcome life’s unexpected expenses and build a stable financial foundation. We all share one vision— to champion the overlooked by using technology to create a path to financial freedom.

Job Summary

As the Senior Manager of Treasury & Capital Markets, you will serve as the primary architect of BMG Money’s liquidity and funding infrastructure. This role sits at the critical intersection of Corporate Treasury (cash, bank relationships, and risk) and Capital Markets (credit analytics, warehouse facility management, and investor reporting). Reporting directly to the CFO, you will lead a team responsible for optimizing our capital structure, ensuring rigorous covenant compliance, and providing the data-driven insights necessary to scale our unsecured consumer lending platform.

Supervisory Responsibilities

• Lead and develop a team of analysts.
• Build a disciplined culture focused on data integrity, technical precision, and proactive risk management.
• Oversee the day-to-day execution of borrowing bases, including loan tape preparation, eligibility tracking, and concentration limit monitoring.
• Act as the primary technical lead for warehouse lenders and forward flow partners, managing recurring reporting and "diligence-ready" data requests.
• Monitor all debt facilities, ensuring 100% accuracy in covenant tracking, trigger monitoring, and timely principal/interest repayments.
• Identify and mitigate exposures related to interest rate volatility and liquidity crunches.

Operational Standards

• Oversee daily cash positioning and manage the investment of excess cash in alignment with company risk policies.
• Establish robust internal controls, audit trails, and SOPs for all treasury processes to ensure "no surprises" during external audits or lender exams.
• Cultivate relationships with financial institutions to optimize banking services, negotiate fees, and maintain trust with debt partners.
• Serve as the "connective tissue" between Credit, Data/BI, Accounting, and Legal to ensure seamless delivery of financial deliverables.
• Build and maintain credit performance models (vintage/cohort views, roll rates, and charge-off tracking) to quantify impact on portfolio cash flows.
• Develop high-fidelity, short-term and long-term cash flow forecasts that integrate loan disbursement trends and collection cycles.
• Develop decision-ready models to simulate how underwriting changes or macroeconomic shifts impact WALA/WAM, liquidity, and investor confidence.
• Translate complex portfolio performance drivers into actionable insights for the Executive Leadership team.

Required Skills/Abilities

• SQL: Expert ability to pull and transform data for loan tapes and portfolio tracking.
• Excel: Advanced modeling skills (sensitivity tables, structured auditability).
• TMS/BI: Experience with Treasury Management Systems and Looker/Tableau.
• Analytical Mindset: Proven ability to bridge the gap between "moving money" and "analyzing data."
• Communication: Ability to present complex financial structures clearly to external lenders and internal executives.

Education and Experience

• Minimum of 8 years of progressive experience in Treasury, Capital Markets, or Financial Analysis.
• At least 3+ years of experience in the Fintech or Specialty Finance sector (unsecured consumer lending preferred).
• Bachelor’s degree in Finance, Accounting, or Economics; MBA, CTP (Certified Treasury Professional), or CFA highly preferred.

Physical Requirements

• Prolonged periods of sitting at a desk and working on a computer.
• Must be able to lift 15 pounds at times.