Treasury Analytics & Strategy Lead

OnePay

7d•$170,000 - $200,000

About The Position

OnePay is a consumer fintech company dedicated to improving the financial lives of millions of Americans by offering an all-in-one financial services platform that includes banking, high-yield savings, credit cards, point-of-sale lending, investing, and crypto. They also partner with employers and gig platforms to deliver embedded financial services. Backed by Walmart and Ribbit Capital, OnePay operates at a significant scale and aims to build a category-defining company. They emphasize speed, urgency, and exceptional performance, seeking individuals who are driven, hungry, low-ego, and comfortable operating in a fast-paced environment. This Treasury lead role is crucial for building analytic tools to enhance Treasury infrastructure, improve cash and capital visibility, and support strategic decision-making. The role involves building cash forecasting, capital, balance sheet, and risk models, with an expectation to incorporate AI. It requires a blend of strategic thinking and hands-on execution to ensure optimal cash utilization, robust forecasting, and effective capital adequacy management. The individual will collaborate with various finance teams to support company growth and develop long-term capital efficiency plans.

Requirements

Bachelor's degree in Finance, Accounting, Economics, or a related field
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
Proven ability to balance strategic thinking with hands-on operational execution

Nice To Haves

MBA, CFA, or CA preferred
Proficiency in SQL and BI tools (e.g., Tableau, Looker) a plus

Responsibilities

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.
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.
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.
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.
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.