Analyst, Treasury (Cash Management) at Upgrade

United States

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Not SpecifiedCompensation

Junior (1 to 2 years), Mid-level (3 to 4 years)Experience Level

Full TimeJob Type

UnknownVisa

Fintech, Financial ServicesIndustries

Requirements

Candidates should have 1-3 years of experience in financial services or treasury, with FinTech experience being a significant advantage. A Bachelor's degree in Accounting, Finance, or Economics is required, along with strong analytical, problem-solving, and communication skills. Experience with Treasury Management Systems like Kyriba and automation skills using Excel Macros, SQL, VBA, Python, or Tableau are considered a plus.

Responsibilities

The Treasury Analyst will support daily treasury operations, including loan issuance, collateral management, reconciliations, and cash movements. This role involves acting as a point of contact for cross-functional teams, assisting with wire instructions, ensuring policy and regulatory compliance, and supporting month-end close processes and investor reporting. The analyst will also identify issues, collaborate on resolutions, and contribute to refining standard operating procedures.

Skills

Cash Management

Loan Issuance

Collateral Management

Reconciliations

Wire Transfers

Financial Reporting

Cross-functional Communication

Problem-Solving

Detail-Oriented

Upgrade

Provides loans, credit cards, and rewards

About Upgrade

Upgrade offers personal loans, credit cards, and rewards checking accounts to help individuals manage their finances. Their personal loans allow borrowing up to $50,000 with fixed rates and no prepayment penalties, while the Upgrade Card provides cash back rewards on various spending categories. What makes Upgrade different is its focus on affordability and user-friendly features, attracting customers looking for flexible credit solutions. The company's goal is to promote responsible financial behavior and long-term financial health through accessible credit options.

San Francisco, CaliforniaHeadquarters

2016Year Founded

$532.1MTotal Funding

SERIES_FCompany Stage

Fintech, Financial ServicesIndustries

1,001-5,000Employees

Benefits

Health Insurance

Dental Insurance

Vision Insurance

Life Insurance

Disability Insurance

401(k) Company Match

Unlimited Paid Time Off

Paid Parental Leave

Health & wellness initiatives

Risks

Expansion into auto loans increases exposure to credit risk.

Crowded BNPL market may pressure margins for Uplift acquisition.

Investment in new office space may strain resources if growth falters.

Differentiation

Upgrade offers a unique blend of credit and banking products.

The Secured OneCard targets consumers with little or no credit history.

Partnership with FairPlay enhances fairness in lending practices.

Upsides

Expansion into auto loans diversifies Upgrade's product offerings.

Acquisition of Uplift strengthens Upgrade's position in travel financing.

Partnership with Finturf enhances home improvement financing options.

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