Sr. Treasury Manager

Achieve is a leading digital personal finance company. We help everyday people move from struggling to thriving by providing innovative, personalized financial solutions. By leveraging proprietary data and analytics, our solutions are tailored for each step of our member's financial journey to include debt consolidation, personal loans, home equity loans, financial tools and education. Every day, we get to help our members move their finances forward with care, compassion, and empathetic touch. We put people first and treat them like humans, not account numbers.

The fintech industry is large and growing. Over $11T in home equity is sitting untapped across US homeowners - most haven’t borrowed against it yet, while personal loan balances just hit a record $276Bn from four years in a row of growth, with no signs of slowing. Consumers continue to face mounting debt. Credit card delinquencies are up 38%, leading to more demand for debt relief services. Achieve continues to support members and meet them wherever they are on their journey. Since 2002, Achieve has grown into one of the largest private consumer fintech unicorns in the U.S., with over $57B in enrollments for our industry-leading, tech-enabled debt resolution services business, and over $16Bn in personal and home loans originations.

As a Sr. Treasury Manager, you’ll impact the lives of everyday people and help them go from surviving to thriving with innovative digital personal finance solutions. You’ll be building out the treasury function of an established & rapidly growing digital lender. Not only will you own daily operations, but you’ll be the thought leader providing long term strategy and goals for the treasury function. You will lead cash management activities, prepare working capital forecasts, own daily treasury admin & operations, and own relationships with banking partners. The Sr. Manager will play a key role in executing funding plans, ensuring appropriate liquidity across our businesses and improve & build best in class operational processes within our finance organization. These responsibilities translate into two major areas of activity in the below: 

What You’ll Do

Cash Management:

• Manage the company’s daily cash position to ensure adequate working capital to fund daily operations across business units.
• Initiate daily, weekly, and monthly wires related to funding and cash management activity across banks and warehouses. Track activity and support proper accounting for these transactions.
• Create and manage wire templates.
• Build, update and maintain working capital forecasting models and reporting. 
• Create and run a daily operations playbook to manage all daily operational tasks with documentation, automation, and structure.
• Own internal relationships with key stakeholders such as accounts payable, finance, accounting, procurement, business unit operations, investor operations, wholesale commissions, and capital markets/warehouse operations.
• Own and drive the entire weekly (and ad hoc) working capital process end-to-end — from scheduling and running the meetings to tracking action items to close. This is not a support role: you are the single point of accountability for liquidity visibility across the business, with a deep, first-principles understanding of every core cash inflow and outflow.
• Manage flow of capital through multiple credit facilities and capital markets vehicles, across lending and debt resolution, from initial pledging of collateral & assets to borrowing mechanics and receiving cash to manage working capital across the business. Have an understanding or a desire to learn more and become an expert of fintech capital markets.
• Interest rate forecasting.
• Work closely with legal, finance, capital markets, and accounting teams on Intercompany loans, profit sharing, tax treatments, and other complicated transactions.
• Bring past experience with cash controls to implement more sophisticated control processes at Achieve. Lead treasury policy and control work.
• Administer electronic banking portals and implement appropriate protocols designed by the team. Maintain a list of active accounts, open & close accounts based on operational needs, adjust user permissions & authorized signer lists, and manage ZBA structures. Handle bank account documentation.
• Lead daily allocation of loans to investors. Create and refresh related forecasts.
• Manage day-to-day relationships with banking partners and lenders.
• Support month-end close activities, including entity specific financial covenant tracking & reporting. Organize execution of financial documents and maintain records.

Financial Analysis:

• Distribute a financial dashboard including cash balances, borrowing capacity across warehouses for HELOCs and debt resolution, all material inflows and outflows for the business, and month to date performance against forecasts.
• Provide ad hoc analytic and modeling support on company metrics and liquidity.
• Support external audit requests and assist in internal testing.
• Leverage a robust understanding of financial statements to build and maintain financial models and forecasts for main working capital inflow/outflows, as Achieve develops funding and growth strategies. Develop streamlined process for different working capital inflow/outflow modules to feed into one consolidated working capital dashboard.
• Lead administration of credit facilities including covenant compliance reporting, drawdowns, and payments. Support sensitivity analysis around covenants and triggers in all credit facilities using a strong data analytics skill set.
• Leverage data feeds & AI to improve & manage internal TMS systems.

About You

• A builder that wants to create, improve, and implement industry best practices at Achieve.
• Thrive in a fast-paced environment with the ability to prioritize and work independently.
• Possess strong interpersonal and communication skills to influence and engage senior leadership.
• Self-motivated and resilient, with a commitment to continuous improvement and high-quality results.
• Analytical by nature—you uncover insights that drive performance and strategic decision-making.
• Collaborative and growth-minded, contributing to team goals and broader company objectives.

What You’ll Bring:

• Bachelor’s Degree in Finance, Accounting or Economics
• 8+ years of experience in either financial planning and analysis, treasury, investment banking, management consulting, or a similar finance function
• Strong foundational skills in financial modeling and analysis with an attention to detail.
• Experience in supporting project management tasks, maintaining confidentiality and integrity throughout.
• Excellent communication, teamwork, organizational, and interpersonal skills.
• Adaptability to quickly respond to changing business needs and complex business environments.
• A critical thinker who can investigate financial models and offer thoughtful insights and improvements.
• A self-starter & builder eager to implement best in class practices.
• Experience with treasury management systems (i.e. GTreasury, Kyriba and ModernTreasury) or building internal tooling leveraging data feeds & AI.

Achieve well-being with:

• Hybrid and remote work opportunities
• 401 (k) with employer match
• Medical, dental, and vision with HSA and FSA options  
• Competitive vacation and sick time off, as well as dedicated volunteer days
• Access to wellness support through Employee Assistance Program, Talkspace, and fitness discounts
• Up to $5,250 paid back to you on eligible education expenses
• Pet care discounts for your furry family members
• Financial support in times of hardship with our Achieve Care Fund
• A safe place to connect and a commitment to diversity and inclusion through our six employee resource groups

Note: We will be unable to facilitate H1-B Visa transfer or sponsorship, along with STEM-OPT Visa.

Work from home/hybrid:

We are proudly offering hybrid options in the Phoenix, AZ and San Francisco, CA metro market. We are offering 100% remote work in other approved PST, MST, CST locations.

Salary Range: $130,000 to $150,000 salary + bonus + benefits.

This information represents the expected salary range for this role. Should we decide to make an offer for employment, we'll consider your location, experience, and other job-related factors.

Join Achieve, change the future.

At Achieve, we’re changing millions of lives.
From the single parent trying to catch up on bills to the entrepreneur needing a loan for the next phase of growth, you’ll get to be a part of their journey to a better financial future. We’re proud to have over 3,000 employees in mostly hybrid and 100% remote roles across the United States with hubs in Arizona, California, and Texas. We are strategically growing our teams with more remote, work-from-home opportunities every day to better serve our members. A career at Achieve is more than a job—it’s a place where you can make a true impact, have a sense of belonging, establish a fulfilling career, and put your well-being first.

Attention Agencies & Search Firms: We do not accept unsolicited candidate resumes or profiles. Please do not reach out to anyone within Achieve to market your services or candidates. All inquiries should be directed to Talent Acquisition only. We reserve the right to hire any candidates sent unsolicited and will not pay any fees without a contract signed by Achieve’s Talent Acquisition leader.