Job Description

About OnePay

OnePay is the consumer fintech trusted by millions of Americans to make money better.

Our financial system is broken. High fees, low rates, and too few ways to actually grow your money. We’re fixing it. And we’re moving fast.

We’re an all-in-one financial services platform that brings together banking, high-yield savings, credit cards, point-of-sale lending, investing, and crypto in one place. We also partner with employers, HCM providers, gig platforms, and others to deliver embedded financial services to millions of employees and frontline workers.

We’re backed by Walmart, the world’s largest retailer, and Ribbit Capital, one of fintech’s most respected investors, giving us rare scale, distribution, and the opportunity to build something truly category-defining.

But what really sets OnePay apart is how we move. Our customers don’t have time to wait… and neither do we. This place moves fast, and we’re looking for people who are:

• Ready to run
• Hungry and driven by urgency
• Exceptional at what they do, with low ego
• Comfortable operating in motion

Role Overview

This Treasury lead will report directly to the Treasurer and is responsible for building out the suite of analytic tools to enhance Treasury infrastructure and increase the visibility and value of cash and capital at the firm. The Analytics lead will be tasked with building cash forecasting, capital, balance sheet, and risk models to inform key strategic decisions. We are working to be an Ai native company and would expect this person to incorporate Ai in these builds; we have unlimited tokens here as well. This role combines strategic lens with hands-on execution, ensuring optimal cash utilization, robust forecasting, and effective capital adequacy management. The individual will work closely with finance leadership, accounting, strategic finance, FP&A, and financial operations to support the company's growth and financial and build out a longer term plan for capital efficiency.

Key Responsibilities

1. Cash Forecasting

• Improve short, medium, and long-term cash flow forecasts, incorporating business inputs, financial projections, and historical data
• Integrate cash forecasts into corporate-level models to inform budget and capital planning
• Partner with treasury and financial operations teams on implementing strategies to improve cash usage

2. Treasury Data Infrastructure & Strategy

• Define and build the core treasury data set (cash positions, balance sheet, counterparty, and market data) as the foundation for all downstream models
• Establish a treasury data strategy: sourcing, ownership, quality standards, and integration with corporate finance and accounting systems
• Evaluate and implement tools and infrastructure to support scalable model-building and reporting

3. ALM, Risk Modeling & Cost of Capital

• Build foundational ALM models to inform cash and investment strategies
• Build initial cash and capital utilization frameworks to consider and evaluate business lines and inform funding strategies
• Enhance interest rate risk models to assess exposure across the balance sheet and inform hedging and investment decisions
• Build FX risk models to monitor and manage currency exposure across entities and business lines
• Design and run stress testing and scenario analysis frameworks to evaluate resilience of cash, capital, and liquidity positions under adverse conditions
• Enhance balance sheet modeling with scenario capabilities to project evolution of balance sheet under different business and market environments

4. Reporting, Controls & Process Improvement

• Enhance treasury reporting for cash, liquidity, funding, and counterparty exposure for management visibility
• Strengthen treasury controls, documentation, and operational processes
• Enhance and automate reconciliation processes

5. Compliance & Capital Adequacy Oversight

• Ensure compliance with investment policies and capital requirements
• Oversee inputs and operational support for the capital adequacy and liquidity management framework
• Partner with legal, risk, and compliance teams to ensure treasury activities align with regulatory and internal governance standards

Qualifications & Skills

• Bachelor's degree in Finance, Accounting, Economics, or a related field; MBA, CFA, or CA preferred
• 7–10+ years of experience in corporate treasury, liquidity management, or related analytical field
• Prior experience at a large bank or major fintech
• Experience prompting and using Ai for operational efficiencies
• Strong understanding of financial statements, cash management structures, forecasting, ALM and other core treasury models, and banking products
• Experience building or scaling treasury/finance data infrastructure; proficiency in SQL and BI tools (e.g., Tableau, Looker) a plus
• Proven ability to balance strategic thinking with hands-on operational execution

Standard Interview Process

Our process varies by role. Most candidates go through:

• AI-assisted initial screen
• Interview with Talent Partner
• Technical or Hiring Manager Interview
• Team Interview
• Executive Interview
• Offer!

Equal Employment Opportunity

To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at talent@onepay.com.