Treasury & Finance Analyst

American Credit Acceptance; Spartanburg (SC); On-site; USD 55,000 - 75,000; Full time

Job summary

American Credit Acceptance in Spartanburg, SC seeks an early‑career Treasury & Finance Analyst to gain hands‑on experience across Finance Operations, Capital Markets, and FP&A. You will support daily cash analysis, funding activities, and reporting, while building a broad understanding of ACA’s funding and financial processes.

The role emphasizes data-driven analysis, collaboration with partners, and development of automation and analytics skills for future growth within the Finance organization.

Qualifications

• Bachelor’s degree in finance, accounting, economics, mathematics, statistics, data analytics, or related analytical field.
• 0–2 years of relevant experience in finance, treasury, banking, accounting, data analytics, or related analytical field.
• Strong analytical, mathematical, and problem‑solving skills with attention to detail.
• Working proficiency in Microsoft Excel, including formulas, large datasets, and basic financial or analytical models.
• Strong written and verbal communication skills; highly organized and able to manage multiple priorities.
• Interest in using automation, data analytics, and emerging technologies to improve accuracy and efficiency.

Responsibilities

• Prepare and maintain daily cash needs analysis and projected cash requirements for the next business day.
• Support daily funding and borrowing activities and related reporting.
• Assist Capital Markets analytics including funding, reporting, and databases.
• Prepare and update financial analyses and reporting components for monthly board materials.
• Validate data across Treasury and Finance reporting processes for accuracy and timeliness.
• Coordinate with internal partners and external financing partners on deliverables and timelines.
• Develop understanding of processes and identify automation opportunities using data and analytics.

Skills

Analytical skills

Excel proficiency

Communication

Attention to detail

Organized

Education

Bachelor’s degree in finance, accounting, economics, mathematics, statistics, data analytics, or related analytical field

Tools

Snowflake

Sigma

SQL

Power BI

Python

Job description

Description

American Credit Acceptance (ACA) is part of The Johnson Group and one of the nation’s leading indirect auto finance companies, partnering with dealerships across all 50 states to empower the emerging credit consumer to purchase reliable and affordable transportation. The foundation of ACA is our Guiding Principles (integrity, partnership, humility, principled entrepreneurship, initiative and fulfillment), which provide the framework for how we make decisions and execute strategies. We create value for our team members, partners, customers, and communities by acting in accordance with our Guiding Principles, which ultimately leads to a stronger company culture and better business performance.

ACA manages an approximately $7.5 billion portfolio and relies on significant, diversified and cost-efficient sources of capital to support its operations and continued growth. The Finance organization supports the business through funding operations, capital markets activities, liquidity planning, financial analysis, and reporting.

The Treasury & Finance Analyst is an early‑career, cross‑functional development role providing hands‑on experience across Finance Operations, Capital Markets, and Financial Planning & Analysis. The role supports daily cash needs analysis, funding operations, financial and capital markets reporting, and other analytical processes while building a broad understanding of how ACA funds its operations, accesses the capital markets, analyzes financial performance, and improves financial processes through data and technology. This experience is intended to develop skills applicable to future analytical and specialized opportunities throughout the Finance organization.

Essential Functions

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Prepare and maintain the Company’s daily cash needs analysis by compiling actual and expected cash inflows and scheduled obligations to determine projected daily cash requirements for the next business day.
• Support daily funding and borrowing activities, including related analysis, reporting, collateral processes, lender requirements, and other Finance Operations responsibilities based on business needs and team capacity.
• Support recurring Capital Markets analytical and reporting activities, including funding and cost-of-funds reporting, market and competitor data, bond and securitization information, investor and rating agency information, and financing-related databases and materials.
• Prepare and update assigned financial analyses, schedules, graphs, and reporting components used in the Company’s monthly board materials and other management reporting.
• Maintain and validate financial, market, transaction, and operational data used across Treasury and Finance reporting processes to ensure accuracy, completeness and timely delivery.
• Coordinate recurring Finance deliverables, documentation, timelines and information requests with internal business partners and external financing partners as appropriate.
• Develop an understanding of upstream and downstream processes and identify opportunities to automate, standardize and improve recurring Finance processes and reporting using data, analytics, and artificial intelligence tools. Coordinate with business users and IT as appropriate for testing, validation and production deployment.
• Prepare ad hoc analyses, presentations, and reporting as requested by management in an accurate and timely manner.
• Perform additional duties and special projects as assigned.

Qualifications

• Bachelor’s degree in finance, accounting, economics, mathematics, statistics, data analytics, or another related analytical field.
• 0–2 years of relevant experience in finance, treasury, banking, accounting, data analytics, or another related analytical field.
• Strong analytical, mathematical, and problem‑solving skills with excellent attention to detail and a basic understanding of corporate finance and financial statement fundamentals.
• Working proficiency in Microsoft Excel, including experience with formulas, large datasets, and basic financial or analytical models.
• Strong written and verbal communication skills with the ability to present information clearly and professionally.
• Highly organized and able to manage multiple recurring and ad hoc priorities in a deadline‑driven environment.
• Self‑motivated, intellectually curious, and eager to learn financial concepts, business processes, data technologies, and analytical tools.
• Ability to work effectively both independently and collaboratively in a fast‑paced environment.
• Interest in using automation, data analytics, and emerging technologies to improve accuracy, efficiency and scalability.

Preferred Qualifications

• Internship, academic project, or prior experience in finance, treasury, banking, capital markets, FP&A, accounting, data analytics, or another analytical field.
• Exposure to Snowflake, Sigma, SQL, Power BI, Python, artificial intelligence tools, or other data, reporting, automation, or analytical technologies.
• Exposure to financial modeling, cash flow analysis, financial markets, fixed income, securitization, or corporate funding concepts.

Supervisory Responsibility

This position has no supervisory responsibilities.

Work Environment and Physical Demands

This position operates in a professional office environment and requires regular use of computers, communication tools, and other standard business technology.

Position Type/Expected Hours of Work

This is a full‑time position with a work schedule of Monday through Friday with some schedule variations as needed. Hours may vary or exceed 40 in any given week depending on the needs of the business.

Travel

Limited (<10%) travel may be needed in this role.

PLEASE NOTE THIS JOB DESCRIPTION IS NOT DESIGNED TO COVER OR CONTAIN A COMPREHENSIVE LISTING OF ACTIVITIES, DUTIES OR RESPONSIBILITIES THAT ARE REQUIRED OF THE EMPLOYEE FOR THIS JOB. DUTIES, RESPONSIBILITIES AND ACTIVITIES MAY CHANGE AT ANY TIME WITH OR WITHOUT NOTICE.

EEO StatementACA provides equal employment opportunities (EEO) to all applicants for employment without regard to race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, disability, genetic information, marital status, amnesty, or status as a covered veteran in accordance with applicable federal, state and local laws. ACA complies with applicable state and local laws governing non-discrimination in employment in every location in which the company has facilities.

California Privacy Notice

As an employer of California residents, we are dedicated to protecting your privacy rights. Any personal information you provide during the application process will be used solely for permitted internal purposes and will be handled in accordance with applicable privacy laws. By applying to this position, you consent to the collection, use, and disclosure of your personal information as described in our Employee Privacy Notice.