Sr. Treasury Analyst

Job Title: Sr. Treasury Analyst

Employment Type: Full Time, 40 hours/week

Reports to: VP of Treasury

FLSA Status: Exempt

Who We Are

SurgeU is a mission-driven parent company overseeing a family of brands, including Life Surge, focused on faith-based business education and empowerment. One of the fastest-growing organizations in the country, Life Surge/SurgeU exists to inspire, train, and equip people to build their personal impact in ways that glorify God. By producing 30 annual events and providing financial education to thousands around the nation, we do just that.  

We are a team of experienced professionals who are passionate about helping people learn, grow, and connect so they may live more enriched lives. Our culture is one where we celebrate each other, individually and as a team. We look to acknowledge and reward our star performers. Let your light shine in our company!

Opportunity:

We are seeking a Senior Treasury Analyst to join our finance team and play a critical role in managing credit risk across merchant processing (indirect credit), direct-to-consumer lending, and supporting strategic capital raise initiatives. The ideal candidate brings a strong analytical background, deep understanding of credit markets, and experience in underwriting both merchant and consumer credit.

Responsibilities:

• Utilize advanced Microsoft Excel capabilities, including pivot tables, complex formulas, and financial modeling, to analyze large datasets, generate insights, forecast performance, and support strategic decision-making. 

Merchant Processing (Indirect Credit):

• Assist in the application and underwriting process with all potential merchant servicing providers by evaluating existing merchant accounts, using transaction-level data, financial statements, and underwriting guidelines.
• On-board and maintain merchant processing providers – provider line-up, capacity/utilization, hardware/software, and complete the reconciliation of revenue related to each processor (revenue vertical).
• Report and monitor ongoing credit exposure related to chargebacks, returns, reserves, settlement risks, and for PCI compliance.
• Work closely with operations and compliance teams to implement and refine credit policies for merchant onboarding and portfolio management.
• Conduct periodic risk reviews and identify deteriorating credit signals to recommend appropriate mitigation strategies.
• Create and maintain standard operating procedures.
• Monitor and report on user access and permissions.

Consumer Debt (Direct Credit):

• Report and monitor portfolio performance metrics including: applications, loan book growth, revenue, delinquency rates, pay-offs, charge-offs, and customer repayment behavior.
• Assist with underwriting consumer lending applications using credit bureau data, income verification, and internal models.
• Collaborate with the sales team to refine credit scoring models and loan terms.

• Monitor and report on user access and permissions.
• Provide insights into customer segmentation and risk-adjusted pricing strategies.
• Create and maintain standard operating procedures.

Capital Raise Support:

• Develop materials and financial analysis to support investor due diligence and capital raise activities (e.g., debt facilities, securitizations, equity raises).
• Assist in the structuring and evaluation of debt instruments, including loan sale transactions, warehouse lines, etc.
• Partner with treasury and FP&A teams to align funding strategies with portfolio growth and risk profile.

Qualifications:

• Bachelor’s degree in Finance, Economics, Accounting, ora related field.
• 2 years of experience in credit analysis or underwriting, preferably in fintech, merchant services, or consumer lending.
• Deep knowledge of credit risk management principles, underwriting standards, and relevant regulatory requirements.
• Experience in Microsoft BC.
• Strong financial modeling, Excel, and data analytics skills; experience with SQL, Coupa, QuickBooks, and BI tools is a plus.
• Excellent communication and presentation skills, with the ability to convey complex concepts to both technical and non-technical stakeholders.
• Demonstrated experience supporting capital raise or investor relations efforts is highly desirable.

Preferred Attributes:

• Experience working in a high-growth or startup environment.
• Familiarity with payment processing infrastructure and settlement risk dynamics.
• Comfortable operating cross-functionally in a fast-paced, evolving environment.

Benefits: 

• Health, Dental, Vision, Life, Holiday and Paid Time Off. 
• Non-corporate, casual, entrepreneurial, comfortable, fun, and proactive work environment.  
• High-level performers, disciplined, and self-motivated people will do VERY WELL in this environment. 

Life Surge/SurgeU is an Equal Opportunity Employer. We value diversity and seek to empower each individual while supporting the many perspectives, skills, and experiences within our workforce. All employment is decided based on qualifications, merit, and business needs.