Senior Treasury Analyst

The company is combining the power of data, technology, and exceptional service to pave a clear way forward for millions of people on the path to financial success. By attracting top talent and leveraging cutting-edge technology, we’re enabling people to unlock real financial progress. Sound like a mission you can get behind?

We’re looking for a Senior Treasury Analyst to own daily cash management and liquidity operations across the company LLC and the company Bank, reporting to the Senior Treasury Manager.

The Impact You’ll Make in this Role

Behind every dollar of credit the company extends is someone building toward a better financial future. With the company Bank having received conditional approval from the OCC, our Treasury function is taking on significantly more scope, and you’ll help build the liquidity, funding, and cash management foundation that keeps credit a tool people can count on to keep moving forward.

As a Senior Treasury Analyst, you will

• Monitor daily cash positions across bank accounts and legal entities, and execute and track wire transfers and ACH payments to ensure timely, accurate settlement

• Refine and maintain short and medium-term cash flow and liquidity forecasts for both the company LLC and the company Bank

• Help design and stand up Bank treasury processes, including daily liquidity monitoring, and intraday cash management

• Determine bank funding needs and execute settlement through Brokered Deposits and Sweep Deposits

• Support liquidity risk management for the Bank, including liquidity metrics, stress testing inputs, contingency funding plan support, and reporting for ALCO and Board committees

• Support asset/liability management and interest rate risk analysis, including net interest income and economic value of equity sensitivity reporting

• Track and report on Bank capital and funding positions, and support the intercompany funding and settlement flows between the Bank and LLC, with attention to affiliate transaction requirements (Sections 23A/23B, Regulation W)

• Own daily and monthly bank account reconciliations across entities, proactively identifying and resolving discrepancies

• Support the Senior Treasury Manager with ad hoc reporting and analysis, including regulatory and examiner information requests

• Support accounts payable and accounts receivable processes, and partner with Accounting, FP&A, Capital Markets, Risk, and Compliance to keep reporting accurate

• Support internal controls and audit requests tied to Treasury activities, and help ensure compliance with debt covenants, investor requirements, regulatory requirements, and corporate policy

You'll thrive in this role if

• You spot a gap (an undocumented process, a report that takes too long, a better way to reconcile) and go fix it instead of waiting to be asked.

• You move fast on unfamiliar territory and treat complexity as a puzzle worth solving quickly.

• You’ve used AI tools like Claude to build small tools or automate parts of your own workflow, and want to keep doing more of that.

• You want to help build something from scratch: standing up treasury processes for a newly chartered bank as the function matures and takes on more scope.

• You’re energized by working in a regulated environment and want to work alongside Risk, Compliance, and Finance leaders as a bank comes together.

Minimum Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, or a related quantitative discipline

• 4+ years of experience in Treasury, Finance, Accounting, or a comparable analytical role within banking, financial services, or fintech

• Advanced proficiency in Microsoft Excel, with foundational knowledge of (or a strong desire to develop proficiency in) SQL and Python

• Strong foundational understanding of corporate or bank cash management, treasury operations, liquidity, interest rate risk, and core financial principles

• Proven ability to operate independently, resolve complex issues within your specialization, and manage competing priorities in a fast-paced, technology-driven environment

• Strong verbal and written communication skills, with the ability to collaborate across technical and non-technical, cross-functional teams

• Remote with the ability to travel approximately up to four times a year for high-quality in-person collaboration

Preferred Qualifications

• Direct experience in bank treasury, ALM, or liquidity risk management, including exposure to ALCO reporting, Brokered Deposits, Sweep Deposits, and contingency funding planning

• Familiarity with regulatory and capital reporting for banks (for example, Call Report, liquidity and capital requirements) and OCC expectations

• Experience supporting a de novo bank, charter conversion, or bank launch

• Experience with ERP systems such as NetSuite

• Familiarity with APIs, data integration, and process automation tools (PyCharm, Visual Studio)

• Experience using AI to streamline and automate business processes (Claude)

• Familiarity with regulatory requirements and compliance standards within financial services (for example, SOX, GAAP)

Compensation

Annual full-time starting base salary range:  $82,000-$97,000

This role is eligible for additional compensation in the forms of participation in our annual incentive and equity programs.

Pay is based on factors such as work experience, education, certification(s), training, skills, and competencies related to the role. The company also offers a comprehensive benefits plan, which includes paid time off, 401(k) match, a monthly wellness stipend, health/ dental/ vision insurance options, disability coverage, paid parental leave, flexible spending account (for childcare and healthcare), life insurance, and a remote-first work environment.

About the company

Founded in December 2018, the company is a purpose-driven fintech company based in the U.S., with headquarters in Richmond, Virginia.

It all started with a realization:  nearly fifty percent of the adult population in the U.S. doesn’t have access to a clear line of credit. Most traditional credit card companies either overlook or overcharge this group because they have less-than-perfect credit scores or no scores at all. We decided this just wouldn’t do.

In partnership with our sponsor banks, we offer credit cards under the company brand name, with better, clearer terms, and a more refined customer experience than the alternatives available to people working hard to improve their credit. To date, over four million consumers have chosen the company, earning high customer ratings on Credit Karma for its market segment and industry leading Net Promoter scores.

The company has cumulatively raised over $600 million of equity from leading investors, including Invus Opportunities, QED Investors, LL Funds, funds affiliated with Oaktree Capital Management, and other leading investors.

Our commitment to a workplace built on respect and dignity is guided by our core value of Unity. We believe that everyone plays a vital role in our shared purpose, and we actively cultivate an environment where all individuals have the opportunity to do their best work. By fostering a culture of empathy and collaboration, we create a strong sense of belonging and support for every team member.

The company is an equal opportunity employer. We do not discriminate on the basis of race, color, religion, sex (including pregnancy, sexual orientation, or gender identity), national origin, age, disability, genetic information, or any other protected status.

The company provides reasonable accommodations to applicants who need them for medical or religious reasons, as required by law.  Applicants can initiate an accommodation request by contacting [link for members] .

The company is not sponsoring new applicant employment authorization and please, no third-party recruiters.

Application Integrity

Our cardholders trust us with their financial well-being, and this trust starts with the integrity of the people on our team. We're looking for team members who share our dedication to transparency and truth. Please verify that the information in your application is accurate and complete.

Providing any information to the company that is not completely truthful at any point during the application or hiring process may result in removal from the hiring process, disqualification from future opportunities, withdrawal of an offer or other sanctions for candidates and, in addition for employees, disciplinary action, up to and including termination of employment.