Treasury Analyst

Zip Co; New York (NY); Hybrid; USD 107,000 - 130,000; Full time

Benefits offered by this job

Flexible working culture

Incentive programs

Unlimited PTO

Parental leave

Job summary

Zip Co is seeking a Treasury Analyst to join the Cash Management & Treasury Operations team. You will connect analysis with execution, feeding cash flow forecasts, and preparing lender reports while monitoring covenants and facility activity.

This role emphasizes data integrity, cross-functional collaboration, and scalable processes. You’ll work remotely for US-based employees with an option to work in-person in Manhattan, contributing to forecasting, funding, and reporting across multiple

Qualifications

• 2+ years in treasury, finance operations, FP&A, or financial services
• Excel or Google Sheets proficiency for structured reports and data sets
• Familiarity with financial reporting, data management, or analytical support
• Understanding of basic financial concepts and attention to detail to catch errors
• Experience in lending/fintech is a strong plus, not required
• Strong ability to manage multiple recurring tasks on schedule
• Self-starter mindset with ownership and process improvement focus
• Alignment with Zip’s core values

Responsibilities

• Own and validate data inputs behind the cash flow forecast, documenting assumptions and ensuring traceability
• Analyze variances between forecast and actual cash movements and support scenarios with prepared data sets
• Compile daily/weekly borrowing base data and prepare certificates for Director review
• Maintain current records of facility positions, draws, paydowns, and availability
• Calculate and validate covenant compliance across facilities and update monitoring trackers
• Prepare covenant compliance certificates for Director review and delivery
• Prepare data packages and reports for lenders/investors and ensure data flow into lender reports
• Run the reporting calendar across facilities and support ad hoc lender data requests
• Develop data inputs and draft outputs for internal reporting suite and maintain templates

Skills

Excel skills

Data analysis

Attention to detail

Task management

Communication

Tools

Financial reporting

Job description

• 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
• Remote-first opportunity for US-based employees with the option to work in-person out of our Manhattan office

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 elevate 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 accurately into lender reports
• Run the reporting calendar across all facilities and counterparties so no deadline is missed, and support ad hoc lender data requests by gathering and organizing information for Director review
• Build the data inputs and draft outputs for the internal reporting suite (daily cash, weekly liquidity, monthly funding summary), maintain reporting templates, and support ad hoc analyses by gathering data and summarizing findings

What you’ll bring to the team

• 2+ years of experience in a treasury, finance operations, FP&A, or financial services role
• Excel or Google Sheets proficiency, including building and maintaining structured reports and working confidently with financial data sets
• Familiarity with financial reporting, data management, or analytical support in a structured environment
• A working understanding of basic financial concepts and the attention to detail to catch errors before they go further
• Experience in a lending, fintech, or financial services environment is a strong plus; exposure to credit facilities, lending operations, or structured finance is a plus but not required
• The organization to manage multiple recurring tasks accurately and on schedule without being chased
• The habit of flagging issues early, asking good questions, and keeping the people around you informed
• A self-starter mindset: you take ownership of your recurring responsibilities, look for ways to improve the processes you run, and want to understand the why behind treasury and funding work
• Clear alignment with Zip’s core values

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
• Unlimited PTO
• Generous paid parental leave
• Leading family support policies
• Company-sponsored 401k match
• Learning and wellness subscription stipend
• Beautiful Union Square office with a casual dress code
• Industry-leading, employer-sponsored insurance for you and your dependents, with several 100% Zip-covered choices available

Zip is committed to a straightforward and transparent pay structure. The actual base salary will be determined by various individualized factors, including job-related knowledge, skills, experience, location, internal equity, as well as other objective business considerations.

The annual base Pay Range for this position is $107k - $130k. This range reflects our US national compensation band (USN). Additional premium percentages may apply based on our tiered premium strategy.

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