Treasury Analyst

The role

You will support the Cash Management and Treasury Operations team by gathering and validating data for the cash flow forecast, preparing borrowing base and covenant reports, and preparing reports for lenders. You will work closely with the Director of Liquidity, Funding & Reporting and the Senior Treasury Operations Analyst.

What you will do

• Own and validate the data inputs behind the cash flow forecast and document assumptions
• Analyze variances between forecast and actual cash movements and explain deviations to the Director
• Compile daily and weekly borrowing base data and prepare borrowing base certificates for review
• Maintain records of facility positions, draws, paydowns and availability
• Calculate and validate covenant compliance and keep a monitoring tracker
• Flag approaching thresholds and prepare covenant compliance certificates for review
• Prepare and reconcile data packages and report drafts for lenders and investors
• Run the reporting calendar across all facilities so no deadline is missed
• Build data inputs and draft outputs for internal reports (daily cash, weekly liquidity, monthly funding summary)

Required qualifications

• 2+ years of experience in a treasury, finance operations, FP&A, or financial services role
• Excel or Google Sheets proficiency, including structured reports and financial data sets
• Familiarity with financial reporting, data management, or analytical support in a structured environment
• A working understanding of basic financial concepts and attention to detail
• Organization to manage multiple recurring tasks accurately and on schedule
• Habit of flagging issues early and keeping people informed
• Self-starter mindset with ownership of recurring responsibilities
• Alignment with Zip's core values

Nice to have

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

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
• Office in Union Square with a casual dress code
• Employer-sponsored insurance for you and your dependents, with several 100% Zip-covered choices

Before you apply

• Visa sponsorship is not available for this position
• Zip participates in the federal government's E-Verify program

About the company

Zip Co Limited (ASX: ZIP) is a digital financial services company offering point-of-sale credit and digital payment services. It operates in Australia and New Zealand and the US.