Treasury Analytics & Strategy Lead

oneapp; United States; On-site; USD 140,000 - 220,000; Full time

Job summary

OnePay, a leading consumer fintech, seeks a Treasury Analytics Lead to build forecasting, ALM, and risk models to optimize cash and capital usage. You will define data infrastructure, integrate Ai-driven insights, and partner with finance leadership to drive strategic funding decisions.

The role emphasizes hands-on execution and strategic oversight, with a focus on scalable analytics and regulatory compliance within a fast-moving fintech environment.

Qualifications

• Bachelor's degree in Finance, Accounting, Economics, or a related field; MBA, CFA, or CA preferred.
• 7-10+ years of experience in corporate treasury, liquidity management, or related analytical field.
• Prior experience at a large bank or major fintech.
• Experience prompting and using Ai for operational efficiencies.
• Strong understanding of financial statements, cash management structures, forecasting, ALM and other core treasury models, and banking products.
• Experience building or scaling treasury/finance data infrastructure; proficiency in SQL and BI tools (e.g., Tableau, Looker) a plus.

Responsibilities

• Improve short, medium, and long-term cash flow forecasts with inputs from business and historical data.
• Define and build the core treasury data set for downstream models.
• Establish a treasury data strategy and data governance.
• Evaluate tools and infrastructure to support scalable model-building and reporting.
• Build foundational ALM models to inform cash and investment strategies.
• Create cash and capital utilization frameworks for business lines and funding.
• Develop FX and interest rate risk models for balance sheet management.
• Design stress-testing and scenario analysis for liquidity resilience.
• Strengthen treasury controls and automate reconciliation processes.

Skills

Ai for operational efficiencies

Forecasting

ALM

Risk modeling

Capital management

Education

Bachelor's degree in Finance, Accounting, Economics, or related field

MBA, CFA, or CA preferred

Tools

SQL

Tableau

Looker

Job description

About OnePay

OnePay is the consumer fintech trusted by millions of Americans to make money better. Our financial system is broken. High fees, low rates, and too few ways to actually grow your money. We're fixing it. And we're moving fast.

We're an all-in-one financial services platform that brings together banking, high-yield savings, credit cards, point-of-sale lending, investing, and crypto in one place. We also partner with employers, HCM providers, gig platforms, and others to deliver embedded financial services to millions of employees and frontline workers.

We're backed by Walmart, the world's largest retailer, and Ribbit Capital, one of fintech's most respected investors, giving us rare scale, distribution, and the opportunity to build something truly category-defining.

But what really sets OnePay apart is how we move. Our customers don't have time to wait... and neither do we. This place moves fast, and we're looking for people who are:

Ready to run

Hungry and driven by urgency

Exceptional at what they do, with low ego

Comfortable operating in motion

Role Overview

This Treasury lead will report directly to the Treasurer and is responsible for building out the suite of analytic tools to enhance Treasury infrastructure and increase the visibility and value of cash and capital at the firm. The Analytics lead will be tasked with building cash forecasting, capital, balance sheet, and risk models to inform key strategic decisions. We are working to be an Ai native company and would expect this person to incorporate Ai in these builds; we have unlimited tokens here as well. This role combines strategic lens with hands-on execution, ensuring optimal cash utilization, robust forecasting, and effective capital adequacy management. The individual will work closely with finance leadership, accounting, strategic finance, FP&A, and financial operations to support the company's growth and financial and build out a longer term plan for capital efficiency.

Key Responsibilities

Cash Forecasting

Improve short, medium, and long-term cash flow forecasts, incorporating business inputs, financial projections, and historical data

Integrate cash forecasts into corporate-level models to inform budget and capital planning

Partner with treasury and financial operations teams on implementing strategies to improve cash usage

Treasury Data Infrastructure & Strategy

Define and build the core treasury data set (cash positions, balance sheet, counterparty, and market data) as the foundation for all downstream models

Establish a treasury data strategy: sourcing, ownership, quality standards, and integration with corporate finance and accounting systems

Evaluate and implement tools and infrastructure to support scalable model-building and reporting

ALM, Risk Modeling & Cost of Capital

Build foundational ALM models to inform cash and investment strategies

Build initial cash and capital utilization frameworks to consider and evaluate business lines and inform funding strategies

Enhance interest rate risk models to assess exposure across the balance sheet and inform hedging and investment decisions

Build FX risk models to monitor and manage currency exposure across entities and business lines

Design and run stress testing and scenario analysis frameworks to evaluate resilience of cash, capital, and liquidity positions under adverse conditions

Enhance balance sheet modeling with scenario capabilities to project evolution of balance sheet under different business and market environments

Reporting, Controls & Process Improvement

Enhance treasury reporting for cash, liquidity, funding, and counterparty exposure for management visibility

Strengthen treasury controls, documentation, and operational processes

Enhance and automate reconciliation processes

Compliance & Capital Adequacy Oversight

Ensure compliance with investment policies and capital requirements

Oversee inputs and operational support for the capital adequacy and liquidity management framework

Partner with legal, risk, and compliance teams to ensure treasury activities align with regulatory and internal governance standards

Qualifications & Skills

Bachelor's degree in Finance, Accounting, Economics, or a related field; MBA, CFA, or CA preferred

7-10+ years of experience in corporate treasury, liquidity management, or related analytical field

Prior experience at a large bank or major fintech

Experience prompting and using Ai for operational efficiencies

Strong understanding of financial statements, cash management structures, forecasting, ALM and other core treasury models, and banking products

Experience building or scaling treasury/finance data infrastructure; proficiency in SQL and BI tools (e.g., Tableau, Looker) a plus

Proven ability to balance strategic thinking with hands-on operational execution

Standard Interview Process

Our process varies by role. Most candidates go through:

• AI-assisted initial screen
• Interview with Talent Par