Treasury Analyst

Zip Co Limited

9d • $107,000 - $130,000 • Remote

About The Position

The Treasury Analyst is part of Zip’s Cash Management & Treasury Operations (CMTO) team, supporting daily treasury analysis and operations across forecasting, funding, lender management, and cash execution. The role works closely with the Director of Liquidity, Funding & Reporting and the Senior Treasury Operations Analyst, providing the data, reporting, and routine monitoring that support informed treasury decisions. The position offers an opportunity to build treasury knowledge in a fast-moving fintech and lending business.

The analyst gathers and validates cash flow forecast inputs, analyzes forecast variances, tracks borrowing base and facility availability, monitors covenants, and prepares lender and investor reporting. The role also maintains reporting templates and calendars, supports internal liquidity and funding reports, and provides organized data and analysis for review by the Director.

This is a remote-first opportunity for US-based employees, with the option to work in person from Zip’s Manhattan office. The annual base salary range is $107,000–$130,000 under the US national compensation band; additional premiums may apply, and total compensation may include bonus and/or commission awards. Visa sponsorship is not available.

Requirements

• At least 2 years of experience in treasury, finance operations, FP&A, or a financial services role.
• Proficiency in Excel or Google Sheets, 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.
• Working understanding of basic financial concepts and attention to detail to identify errors.
• Ability to manage multiple recurring tasks accurately and on schedule.
• Habit of flagging issues early, asking questions, and keeping colleagues informed.
• Self-starter mindset, ownership of recurring responsibilities, interest in improving processes, and desire to understand treasury and funding work.
• Clear alignment with Zip’s core values.

Nice To Haves

• Experience in a lending, fintech, or financial services environment.
• Exposure to credit facilities, lending operations, or structured finance.

Responsibilities

• Own and validate cash flow forecast data inputs, including collections, originations, payroll timing, vendor payment schedules, and facility draw activity; document assumptions and investigate anomalies.
• Analyze forecast-to-actual cash movement variances, explain meaningful deviations to the Director, and support scenario and sensitivity analysis with prepared data, summaries, and recommendations.
• Compile daily and weekly borrowing base data across warehouse facilities and prepare borrowing base certificates for Director review and sign-off.
• Maintain current records of facility positions, draws, paydowns, and availability, and flag approaching thresholds to the Director.
• Calculate and validate covenant compliance across bank partner, warehouse, and securitization facilities; maintain a tracker of positions, thresholds, and reporting dates.
• Escalate potential covenant compliance issues ahead of deadlines and prepare covenant compliance certificates for Director review and delivery.
• Prepare and reconcile lender and investor reporting packages and drafts, including securitization reporting inputs, coordinating with the Senior Treasury Operations Analyst on operational cash data.
• Manage reporting calendars for facilities and counterparties and support ad hoc lender data requests by gathering and organizing information for Director review.
• Build data inputs and draft outputs for internal daily cash, weekly liquidity, and monthly funding reports; maintain templates and support ad hoc analysis by gathering data and summarizing findings.

Benefits

• 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
• Employer-sponsored insurance for employees and dependents, with several 100% Zip-covered choices
• Potential bonus and/or commission awards

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: No Education Listed