Director, Treasury & Capital Markets

Purpose Financial • Greenville, SC

7d • Onsite

About The Position

Purpose Financial, Inc. is a consumer financial services company offering credit products through storefronts and online lending. The Director, Treasury & Capital Markets reports to the CFO and leads liquidity forecasting, debt management, and capital markets activities across storefront and digital channels. The role leads the treasury operations team and builds forward-looking treasury capabilities, strengthening cash and liquidity forecasting across complex operating and financing structures. The ideal candidate has deep experience in structured finance, securitization, or asset-based lending, and can both navigate detailed financing mechanics and advise senior management on funding strategy and capital structure.

The Director oversees short- and intermediate-term cash and liquidity forecasting; coordinates debt financing and funding activity; advises on capital structure; and maintains treasury controls, governance, and risk management. The role also manages and develops the treasury operations team and serves as the organization's subject matter expert on treasury, liquidity, and capital markets. The position is based at 322 Rhett Street in downtown Greenville, South Carolina. Travel is 5%, and attire is business casual.

Requirements

• Bachelor's degree in Finance, Accounting, or a related field.
• 7–10+ years of progressive experience in corporate treasury, debt capital markets, investment banking, or a closely related area.
• Experience with asset-based lending, securitization, or other secured and structured financing arrangements.
• Familiarity with interest-rate risk, exposure, and hedging strategies.
• Experience with Treasury Management Systems (TMS) and/or ERP platforms.
• Demonstrated knowledge of debt agreements, covenants, borrowing-base mechanics, and structured financing arrangements.
• Strong financial modeling, forecasting, and analytical skills.
• Ability to communicate complex financing mechanics clearly to senior management and cross-functional stakeholders.
• Must be eligible to work in the USA and able to pass a background check.
• Ability to sit for extended periods; occasional standing, walking, bending, and lifting up to 20 lbs.; typing and data entry; use of office equipment and computers; access to reliable transportation; and ability to travel as needed.

Nice To Haves

• Certified Treasury Professional (CTP) designation is strongly preferred.
• Background in consumer finance, retail financial services, or multi-unit operating environments is preferred.

Responsibilities

• Lead short- and intermediate-term cash and liquidity forecasting, improving methodologies to account for operating cash flows, business-unit requirements, lender settlements, debt funding and service, reserve requirements, and timing differences.
• Oversee daily and weekly lender settlements and ensure timely, accurate reporting.
• Develop liquidity cushions, minimum cash thresholds, and contingency funding protocols.
• Direct the treasury operations team and partner with FP&A, Operations, and Data Governance to ensure forecast inputs are complete and timely.
• Coordinate the Company's existing and prospective debt financing activities, including asset-based lending facilities, securitizations, revolving credit facilities, and other structured financing.
• Assess the economics, mechanics, and liquidity implications of financing facilities, including settlement timing, cash-flow waterfalls, borrowing bases, advance rates, concentration limits, and eligibility requirements.
• Oversee treasury execution of funding requests, borrowing activity, lender settlements, and debt service.
• Lead refinancing, amendment, and new financing processes, including lender materials, due diligence, and transaction analyses; evaluate alternatives based on cost, capacity, flexibility, collateral requirements, and covenants.
• Build and maintain relationships with lenders, banks, and other capital providers.
• Advise the CFO and senior management on capital structure and financing strategy.
• Maintain debt schedules and forward-looking forecasts of borrowings, repayments, interest expense, fees, and available liquidity.
• Develop management reporting and dashboards covering cash and liquidity, forecast versus actual cash flows, debt outstanding, borrowing-base utilization, maturities, funding costs, and covenant compliance.
• Perform scenario and sensitivity analyses related to liquidity, operating performance, borrowing availability, and capital structure.
• Lead treasury inputs into annual budgeting, long-range planning, and strategic transactions from a liquidity and financing perspective.
• Monitor interest-rate exposure and support evaluation and implementation of hedging strategies, including swaps, caps, and other derivatives, in coordination with the CFO and external advisors.
• Maintain a calendar of debt payments, lender reporting deadlines, and covenant testing dates; monitor compliance and provide advance visibility into potential issues.
• Direct preparation and submission of borrowing-base and compliance certificates and lender reporting, with appropriate controls over borrowing activity and debt compliance.
• Partner with Accounting to ensure accurate recording and reconciliation of debt, interest, financing fees, and related transactions.
• Develop and maintain treasury policies, procedures, and governance frameworks; lead responses to internal and external audit requirements related to debt, liquidity, and treasury activities.
• Manage the treasury operations team, providing day-to-day oversight, direction, and coaching.
• Attract, develop, and retain treasury talent, fostering accountability, continuous improvement, and professional growth.
• Serve as the organization's treasury, liquidity, and capital markets subject matter expert; represent the function in senior management discussions, lender interactions, and strategic planning; and lead cross-functional collaboration.

Benefits

• Competitive wages
• Health and life benefits
• Health Savings Account plus employer seed
• 401(k) savings plan with company match
• Paid parental leave
• Company-paid holidays
• Paid time off including volunteer time
• Tuition reimbursement
• Business casual environment
• Rewards and recognition program
• Employee Assistance Program
• Downtown Greenville office with free parking, onsite gym, and free snacks and drinks

What This Job Offers

• Job Type: Full-time
• Career Level: Director