Senior Treasury Analyst

About the Position

Senior Treasury Analyst

London, United Kingdom

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Hello. We’re Teya.

Teya was founded on a simple belief: local businesses deserve better.

They are the cafés, restaurants, salons, shops and entrepreneurs that bring character to our high streets, create jobs and keep communities moving. Yet for too long, financial services has made life harder for them - with clunky tools, poor support and complexity that gets in the way of running a business.

Teya exists to change that.

We’re building a financial platform for local businesses across Europe - one built around simple tools, thoughtful design and real human support. Our Members rely on us to help them run their business with confidence, and that responsibility shapes the way we work.

We move fast. We care about quality. We stay close to the detail. And we believe great performance and genuine hospitality should go hand in hand.

If you want to build meaningful products, solve real problems and make a genuine difference for local businesses, we’d love to hear from you.

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Responsibilities

• Manage and forecast liquidity across relevant Teya entities, products, bank accounts, and currencies, ensuring sufficient funds are available to support settlements, payment flows, and operational funding needs.
• Monitor cash positions, expected inflows and outflows, settlement calendars, and payment obligations, identifying potential shortfalls or excess balances and recommending timely funding actions.
• Maintain and evolve appropriate liquidity buffers and minimum operating balances, coordinating cash movements, funding arrangements, and intercompany flows with Payments Operations and banking partners.
• Manage FX requirements arising from multi-currency settlement and payment flows, operating within approved products, counterparties, mandates, and limits. Coordinate execution, settlement, and confirmations with banks, maintaining accurate records and appropriate audit trails.
• Manage the placement and redemption of surplus cash in approved money-market funds and other permitted short-term instruments, assessing liquidity requirements, settlement timing, counterparty exposure, maturities, yield, and regulatory eligibility.
• Monitor investment balances, maturities, cut-off times, and expected returns, coordinating with providers and banking partners to resolve operational issues and improve investment workflows.
• Support the development of cash-pooling and automated sweep approaches where approved, helping optimize cash allocation and improve the efficiency of Treasury operations.
• Maintain and operationalize Treasury policies, procedures, and frameworks covering liquidity, minimum cash requirements, funding, FX, and investment activity, ensuring compliance with governance requirements and delegated authorities.
• Produce and improve management reporting on cash positions, liquidity forecasts, funding requirements, investments, and currency exposures, investigating variances and translating analysis into clear, actionable insights.
• Work with Risk as part of the first-line Treasury function, supporting independent oversight and promptly identifying and escalating actual or potential breaches of approved limits, policies, or controls.
• Support compliance with applicable electronic money institution (EMI) and banking regulations, ensuring Treasury activities are appropriately controlled, documented, and executed.
• Partner with Product teams from concept through to launch, embedding Treasury considerations such as funding, liquidity, and settlement requirements into product design and customer journeys.
• Collaborate with Engineering, Data, and Payments Operations to improve cash visibility and Treasury infrastructure, translating business needs into clear system and data requirements for platforms such as Payment Hub, bank connectivity, Snowflake, and reporting tools.
• Validate automated outputs and controls before they enter business-as-usual use, document processes, and identify opportunities to automate manual, fragmented, or error-prone workflows.
• Take ownership of Treasury improvement initiatives, strengthening analytical capabilities, reducing operational risk, and freeing up capacity for higher-value analysis and decision-making.

Requirements

• 4+ years' experience in Treasury, liquidity management, or a 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 a 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 modeling skills, with the 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.
• A strong control mindset, with careful execution, sound judgment, accurate record-keeping, and the 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.
• A degree in Finance, Economics, Accounting, Engineering, or a related discipline. ACT, CFA, or another relevant professional qualification is an advantage.
• Advanced Excel skills and experience with financial modeling, 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.

We Offer

• Flexible working hours
• Physical and mental health support through our partnership with WellHub, giving free access to over 1,500 gyms in the UK, 1-1 therapy, meditation sessions, and digital fitness and nutrition apps.
• Extended and improved maternity and paternity leave choices.
• Cycle-to-Work Scheme.
• Health and Life Insurance.
• Pension Scheme.
• 25 days of Annual Leave (plus Bank Holidays).
• Office snacks every day.
• Friendly, comfortable, and informal office environment in Central London.

About the Company

Teya is proud to be an equal opportunity employer.

We are committed to creating an inclusive environment where everyone, regardless of race, ethnicity, gender identity or expression, sexual orientation, age, disability, religion, or background, can thrive and do their best work. We believe that a diverse team leads to better ideas, stronger outcomes, and a more supportive workplace for all.

If you require any reasonable adjustments at any stage of the recruitment process, whether for interviews, assessments, or other parts of the application-we encourage you to let us know. We are committed to ensuring that every candidate has a fair and accessible experience with us.