Job Description

Brand: Purpose Financial

Address: 322 Rhett Street, Greenville, South Carolina, United States - 29601

Purpose Financial, Inc. is an innovative consumer financial services company that offers a diverse suite of credit products, promoting financial inclusion and meeting consumers wherever they are. Through its brands, the company is committed to helping customers achieve their version of financial stability in the moment and in the future. Since 1997, Purpose Financial has been a pioneer in the consumer credit and financial services market offering money solutions in over 800 storefronts locations and online lending. Providing services in over 23 states, Purpose Financial employs over 2,500 team members.

At Purpose Financial we are always on the lookout for motivated individuals who share in our values of mutual respect to join our team of outstanding professionals.

We offer:

• Competitive Wages
• Health/Life Benefits
• Health Savings Account plus Employer Seed
• 401(k) Savings Plan with Company Match
• Paid Parental Leave
• Company Paid Holidays
• Paid Time Off including Volunteer Time
• Tuition Reimbursement
• Business Casual Environment
• Rewards & Recognition Program
• Employee Assistance Program
• Office in downtown Greenville that offers free parking, onsite gym, free snacks/drinks

To learn more about Purpose Financial visit Purpose Financial Website.

Position Summary

The Director, Treasury & Capital Markets reports to the CFO and leads liquidity forecasting, debt management and capital markets activities across storefront and digital channels. Leading the treasury operations team, this role will build a forward-looking treasury capability by strengthening cash and liquidity forecasting across increasingly complex operating and financing structures.

The ideal candidate brings deep experience in structured finance, securitization or asset-based lending and is equally effective navigating detailed financing mechanics and advising senior management on funding strategy and capital structure.

Job Responsibility

Liquidity Management & Cash Forecasting

• Lead the Company's short- and intermediate-term cash and liquidity forecasting, improving methodologies to capture operating cash flows, business-unit requirements, lender settlements, debt funding, debt service, reserve requirements and other timing differences affecting liquidity.
• Oversee daily and weekly settlements with lenders and ensure timely and accurate reporting.
• Develop appropriate liquidity cushions, minimum cash thresholds and contingency funding protocols.
• Direct the treasury operations team and partner with FP&A, Operations and Data Governance to ensure the quality and timeliness of forecast inputs.

Debt Capital Markets & Funding

• Serve as the primary internal resource and coordinator for the Company's debt financing activities, with responsibility for existing and prospective arrangements, including asset-based lending facilities, securitizations, revolving credit facilities and other structured financing.
• Develop a thorough understanding of the economics, mechanics and liquidity implications of each financing facility, including settlement timing, cash-flow waterfalls, borrowing bases, advance rates, concentration limits and eligibility requirements.
• Oversee and direct treasury operations in executing funding requests, borrowing activity, lender settlements and debt service.
• Lead refinancing, amendment and new financing processes, including preparation of lender materials, due diligence and transaction analyses, and evaluate alternatives based on cost, capacity, flexibility, collateral requirements and covenant structure.
• Build and maintain strong relationships with lenders, banks and other capital providers.

Capital Structure & Financial Analysis

• Advise the CFO, senior management on the Company's overall capital structure and financing strategy.
• Maintain debt schedules and forward-looking forecasts of borrowings, repayments, interest expense, fees and available liquidity; develop management reporting and dashboards covering cash and liquidity, forecast versus actual cash flows, debt outstanding, borrowing-base utilization, debt maturities, cost of funding and covenant compliance.

Job Responsibilities Cont.

• Perform scenario and sensitivity analyses related to liquidity, operating performance, borrowing availability and capital structure.
• Lead treasury inputs into annual budgeting, long-range planning and strategic transactions from a liquidity and financing perspective.
• Monitor interest rate exposure across the Company's debt portfolio and support the evaluation and implementation of hedging strategies, including interest rate swaps, caps and other derivative instruments, in coordination with the CFO and external advisors.

Controls, Governance & Risk Management

• Maintain a comprehensive calendar of debt payments, lender reporting deadlines and covenant testing dates; monitor covenant compliance, provide management with advance visibility into potential issues.
• Direct preparation and submission of borrowing-base and compliance certificates and all lender reporting, with appropriate controls governing borrowing activity and debt compliance.
• Partner with Accounting to ensure accurate recording and reconciliation of debt, interest, financing fees and related transactions.
• Develop and maintain treasury policies, procedures and governance frameworks; lead responses to internal and external audit requirements across debt, liquidity and treasury activities.

Leadership

• Directly manage the treasury operations team, providing day-to-day oversight, clear direction and ongoing coaching to build a high-performing, scalable treasury function.
• Attract, develop and retain treasury talent, fostering a culture of accountability, continuous improvement and professional growth within the function.
• Serve as the organization's subject matter expert on treasury, liquidity and capital markets; represent the function in senior management discussions, lender interactions and strategic planning; and lead cross-functional collaboration across Finance, Accounting, FP&A, Operations and others.

Education Required

Bachelor’s degree in Finance, Accounting or related field.

Experience Required

7–10+ years of progressive experience in corporate treasury, debt capital markets, investment banking or a closely related area. Certified Treasury Professional (CTP) designation strongly preferred. Experience with asset-based lending, securitization or other secured and structured financing arrangements. Familiarity with interest rate risk, exposure and hedging strategies. Experience with Treasury Management Systems (TMS) and/or ERP platforms. Background in consumer finance, retail financial services or multi-unit operating environments preferred.

Knowledge Required

Demonstrated knowledge of debt agreements, covenants, borrowing-base, mechanics and structured financing arrangements. Strong financial modeling, forecasting and analytical skills. Proven ability to communicate complex financing mechanics clearly to senior management and cross-functional stakeholders.

Physical Requirements

Ability to sit for extended periods; occasional standing, walking, bending, and lifting (up to 20 lbs.); typing and data entry; use of office equipment and computers; access to reliable transportation; ability to travel as needed.

Competencies

Travel

5%

Attire

Business Casual

Other

Must be eligible to work in the USA and able to pass a background check.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or disability.

Requisition ID: 46798