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Teya is a Series C fintech building a financial platform for local businesses across Europe. As a Senior Treasury Analyst, you will own day-to-day liquidity management, funding, and cash deployment across multiple entities, products, and currencies.
Your core responsibilities include:
- Manage and forecast liquidity across Teya entities, products, bank accounts and currencies, ensuring sufficient funds support settlements, payment flows and operational needs.
- Monitor cash positions, inflows/outflows, settlement calendars and payment obligations; identify shortfalls or excess balances and recommend timely funding actions.
- Maintain and evolve liquidity buffers and minimum operating balances; coordinate cash movements, funding arrangements and intercompany flows with Payments Operations and banking partners.
- Manage FX requirements from multi-currency settlement and payment flows, operating within approved products, counterparties, mandates and limits.
- Manage placement and redemption of surplus cash in approved money-market funds and short-term instruments, assessing liquidity, settlement timing, counterparty exposure, maturities, yield and regulatory eligibility.
- Monitor investment balances, maturities, cut-off times and expected returns; coordinate with providers and banking partners to resolve operational issues.
- Support development of cash-pooling and automated sweep approaches to optimize cash allocation.
- Maintain and operationalize Treasury policies, procedures and frameworks covering liquidity, funding, FX and investment activity.
- Produce and improve management reporting on cash positions, liquidity forecasts, funding requirements, investments and currency exposures.
- Work with Risk as part of the first-line Treasury function, supporting independent oversight and escalating breaches of approved limits, policies or controls.
- Support compliance with electronic money institution (EMI) and banking regulations.
- Partner with Product teams to embed Treasury considerations into product design and customer journeys.
- Collaborate with Engineering, Data and Payments Operations to improve cash visibility and Treasury infrastructure; translate business needs into system and data requirements.
- Validate automated outputs and controls before business-as-usual use; identify opportunities to automate manual, fragmented or error-prone workflows.
- Own Treasury improvement initiatives, strengthening analytical capabilities and reducing operational risk.
This role combines hands-on Treasury execution with analytical problem-solving and continuous improvement. You will exercise sound judgement, operate confidently within approved limits and delegated authorities, and identify opportunities to improve liquidity, funding and financial risk management.
REQUIREMENTS:
- 4+ years' experience in Treasury, liquidity management or closely related Finance role, ideally within a regulated bank, payments business, fintech or financial-services firm.
- Practical experience managing cash and liquidity across multiple entities, banks and currencies, including forecasting and settlement-driven funding.
- Experience executing or overseeing operational FX activity, with strong understanding of how currency exposures, settlement timing and funding requirements interact.
- Experience managing money-market funds or other short-term liquidity investments, including placement, redemption, settlement and associated controls.
- Strong analytical and financial modelling skills; ability to assess assumptions, investigate forecast variances and translate analysis into clear recommendations.
- Working knowledge of liquidity regulation and frameworks such as LCR, NSFR and Asset-Liability Management (ALM), where applicable.
- Strong control mindset with careful execution, sound judgement, accurate record-keeping and confidence to identify and escalate risks or potential breaches.
- Experience improving Treasury processes, reporting or automation, ideally working with Finance, Product, Risk, Data, Engineering or Payments Operations teams.
- Degree in Finance, Economics, Accounting, Engineering or related discipline. ACT, CFA or another relevant professional qualification is an advantage.
- Advanced Excel skills and experience with financial modelling, forecasting and management reporting.
- Familiarity with AI tools such as Claude and Gleean, bank APIs, payment platforms, SQL, Snowflake or business intelligence tools such as Tableau is beneficial.
