Manager, Liquidity, Funding & Reporting

8 or more years in treasury, structured finance, or financial operations within a lending or fintech environment; or 6 or more years with a relevant advanced degree Hands-on experience with credit facilities, borrowing base calculations, and covenant compliance — comfortable owning these end-to-end Flexible hybrid role based in Manhattan with 3 in-office days per week Start your adventure with Zip  We are building a best-in-class treasury function to support a rapidly growing lending and fintech business. The Manager, Liquidity, Funding & Reporting is the analytical engine of CMTO — independently owning the forecasting, liquidity management, lender reporting, and covenant monitoring infrastructure that gives the business reliable visibility into its cash position and enables sound funding decisions. This is a high-impact role with broad ownership across the full analytical layer of the function. You will work closely with the Head of CMTO and across Finance, Risk, DCM, and Engineering to build and maintain the capabilities the function needs to scale. You are joining at a formative moment — with real ownership, growing complexity, and a direct line of sight to the decisions that shape how the business is funded. You will work alongside the Senior Treasury Operations Analyst, who owns the operational execution layer of the function, and a Treasury Analyst role currently being developed that will support data gathering, reporting preparation, and routine monitoring — giving you a strong foundation to focus on the analytical work that requires your judgment and expertise   Interesting problems you’ll get to solve OR Write your story with a career at Zip Liquidity Management & Cash Forecasting Own the existing cash flow forecast model — understand its architecture, maintain it, and independently adapt it as the business evolves with new facilities, products, and processes Independently manage and optimize liquidity across the capital stack — identifying where cash can be deployed more efficiently, where facility utilization can be improved, and where timing adjustments reduce cost of carry Produce variance analysis on a defined cadence — explaining the gap between forecast and actual and using that insight to continuously improve model accuracy Develop scenario and sensitivity models to support funding decisions — presenting findings and recommendations to the Head of CMTO and Finance leadership Model how cash flows through the business — stress-testing timing assumptions and identifying structural optimization opportunities across the capital stack; flag issues and recommend structural changes to the Head of CMTO Funding & Capital Structure Own the treasury inputs to the financial planning cycle — receivables projections, interest income and expense budgeting, and facility utilization forecasts; partner with FP&A to ensure CMTO's forward view is integrated into the broader financial plan Own proactive availability foreca...