Treasury Analyst

zipcolimited; United States; Remote; USD 70,000 - 95,000; Full time

Benefits offered by this job

Remote-first

Office option in Manhattan

Job summary

Zipcolimited is seeking a Treasury Analyst to join the CMTO team, focusing on forecasting, borrowing base tracking, covenant monitoring, and lender reporting. This remote-first opportunity for US-based employees offers in-person options at our Manhattan office.

You will work with the Director of Liquidity, Funding & Reporting and the Senior Treasury Operations Analyst to gather data for cash flow forecasts and lender reports, ensuring timely and accurate delivery.

Qualifications

• 2+ years in treasury, FP&A, or finance operations.
• Strong Excel/Sheets skills for structured reporting.
• Attention to detail with financial data and dashboards.

Responsibilities

• Own and validate data inputs behind the cash flow forecast.
• Analyze variances between forecast and actual cash movements and explain deviations.
• Compile borrowing base data and prepare certificates for review.
• Maintain current records of facility positions, draws, and availability.
• Monitor covenant compliance across facilities and prepare certificates.
• Prepare data packages and drafts for lenders and investors.

Skills

Excel/Google Sheets

Forecasting

Data analysis

Attention to detail

Financial data handling

Tools

Excel

Google Sheets

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 escalating 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 ski