Director of Finance & Treasury

Position Summary

We seek a Director of Finance to lead and oversee critical financial functions, including financial planning and analysis (FP&A), loan portfolio monitoring, cash flow management, financial reporting, and audit support. This role presents an exciting opportunity for a seasoned finance or accounting professional who thrives in a fast-paced, collaborative team environment.

The ideal candidate will possess strong analytical and communication skills, a proactive mindset, and a proven ability to deliver actionable insights that drive financial and operational decision-making. This very hands-on role requires a combination of strategic vision and operational expertise.

Key Responsibilities

 1. Financial Planning and Analysis (FP&A):

• Lead the development of annual budgets, forecasts, and customized financial models to support strategic decision-making.
• Analyze financial results and key performance indicators (KPIs), providing leadership with actionable insights and recommendations to improve the company's financial position.
• Partner with cross-functional teams to ensure financial goals are aligned with organizational objectives and initiatives.

 2. Loan Portfolio Analysis and Reporting:

• Oversee the monitoring of the organization's MCA and Loan portfolio to ensure compliance with underwriting rules, business objectives, and regulatory requirements.
• Conduct detailed analyses of loan portfolio performance, including income trends, default rates, concentration risks, and compliance with lending agreements.
• Prepare periodic reports, such as the Borrowing Base, for lenders, investors, and regulatory bodies.

 3. Cash Management Operations:

• Manage cash flow forecasting, liquidity planning, and daily treasury operations to ensure optimal working capital management.
• Develop and maintain strong relationships with financial institutions, including oversight of bank accounts, credit facilities, and treasury services.
• Create and implement strategies to improve the organization's cash position, reduce financing costs, and enhance operational efficiency.
• Establish and enforce robust internal controls and processes to safeguard cash operations and ensure compliance with financial policies.

 4. Financial Reporting:

• Collaborate with the Controller to ensure the timely preparation of accurate financial reports, including monthly, quarterly, and annual statements.
• Lead financial performance analysis and ensure clear, concise reporting for executive management, investors, and regulators.

 5. Audit Support and Compliance:

• Support the Controller in managing external audits, ensuring timely and accurate responses to audit inquiries.
• Oversee the preparation of audit schedules, reconciliations, and supporting documentation to ensure compliance with GAAP and relevant regulatory standards.

Qualifications and Experience

•  Preferred: Experience in the Merchant Cash Advance or Lending Industry.
•  Experience with securitized debt issuance is helpful, but it isn't required.
•  Bachelor's degree in finance, accounting, economics, or a related field.
•  5–7 years of progressive experience in Finance or Accounting.
• Strong expertise in financial modeling techniques.
• Advanced proficiency in Microsoft Excel.

Why Join Us?

This is a high-impact leadership role with the opportunity to drive strategic initiatives, optimize financial performance, and improve operational efficiency in a fast-paced financial services environment. Reporting directly to the CFO, you will play a pivotal part in shaping the organization's financial future. If you are passionate about making a measurable impact and enjoy working closely with senior leadership, this is the perfect opportunity. Join us and contribute to meaningful change!