[Hiring] Treasury Analyst @Zip

Role Description

Join a Cash Management & Treasury Operations (CMTO) team that takes operational discipline and analytical rigor seriously, because our daily work directly affects how the business manages its cash and meets its obligations.

As a Treasury Analyst, you sit at the center of CMTO's daily analytical and operational rhythm, working closely with the Director of Liquidity, Funding & Reporting and the Senior Treasury Operations Analyst. You are the connective tissue between analysis and execution:

• Gathering the data that feeds the cash flow forecast.
• Preparing the reports that go to lenders.
• Tracking covenant and availability positions.
• Ensuring routine monitoring happens consistently and accurately.

You will grow quickly here, building a genuine understanding of how a treasury function operates across forecasting, lender management, and cash operations.

Interesting problems you’ll get to solve:

• Own and validate the data inputs behind the cash flow forecast (collections, originations, payroll timing, vendor payment schedules, and facility draw activity).
• Analyze variances between forecast and actual cash movements, flag and explain meaningful deviations to the Director.
• Compile daily and weekly borrowing base data across all warehouse facilities and prepare borrowing base certificates for Director review and sign-off.
• Maintain a clean, current record of facility positions, draws, paydowns, and availability.
• Calculate and validate covenant compliance across bank partner, warehouse, and securitization facilities.
• Flag approaching thresholds and escalate potential compliance items ahead of reporting deadlines.
• Prepare and reconcile data packages and report drafts for lenders and investors.
• Run the reporting calendar across all facilities and counterparties.
• Build the data inputs and draft outputs for the internal reporting suite (daily cash, weekly liquidity, monthly funding summary).

Qualifications

• 2+ years of experience in a treasury, finance operations, FP&A, or financial services role.
• Excel or Google Sheets proficiency, including building and maintaining structured reports.
• Familiarity with financial reporting, data management, or analytical support in a structured environment.
• A working understanding of basic financial concepts and attention to detail.
• Experience in a lending, fintech, or financial services environment is a strong plus.
• The organization to manage multiple recurring tasks accurately and on schedule.
• The habit of flagging issues early, asking good questions, and keeping the people around you informed.
• A self-starter mindset: ownership of recurring responsibilities and a desire to improve processes.

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.
• Industry-leading, employer-sponsored insurance for you and your dependents.

Company Description

Zip Co Limited (ASX: ZIP) is a digital financial services company, offering innovative, people-centered products. Operating in two core markets - Australia and New Zealand (ANZ) and the US, Zip offers access to point-of-sale credit and digital payment services, connecting millions of customers with its global network of tens of thousands of merchants.

We’re proud to be a values-led business and our values - Customer First, Own it, Stronger Together and Change the Game - guide us in everything we do.