LIFE SURGE Visa Sponsorship USA

Job Title: Treasury Manager

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:

The Treasury Manager plays a pivotal role in managing the overall partnerships, performance, portfolio, and controls of the treasury team. The treasury manager ensures that the company utilizes appropriate risk evaluation and policies in order to achieve financial goals. This role is crucial to the efficient functioning of the treasury team and the larger finance team. This position requires a meticulous individual with strong analytical skills, analytical tools (Excel, SQL, BI tools/Tableau), attention to detail, and the ability to multitask effectively.

Responsibilities:

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 – provide 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/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, underwriting status, fulfillment status, loan book growth/performance, revenue, delinquency rates, pay-offs, charge-offs, and customer repayment behavior, etc.
• Monitor and report on user access and permissions regarding credit software and hardware.
• Establish and enforce credit policies to mitigate risk while supporting business growth.
• Work closely with sales, finance, and legal teams to manage credit policies and resolve disputes.
• Provide insights into customer segmentation and risk-adjusted pricing strategies.
• Create and maintain standard operating procedures (documentation).
• Consumer/business credit modeling.
• Work with accounting team in regard to all principal/interest payments being allocated properly via weekly reporting analysis and monthly reporting (statements).
• Loan origination software usage, maintenance of consumer/business records, reporting, etc.
• On-boarding vendor relationships via discovery, due diligence, planning, implementation, execution, reporting, trend analysis.
• Ensure compliance with company policies, industry regulations, and legal requirements.

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 Strategy and FP&A teams to align funding strategies with portfolio growth and risk profile.

Qualifications:

• Bachelor's degree in finance, accounting, business administration, or a 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.
• Strong financial modeling/reporting, data analytics skills, Excel, PowerPoint, Outlook, and experience with Asana (or similar project management technology), SQL, Python, or BI tools is a plus.
• Proven experience in credit management, financial analysis, or risk assessment.
• Strong analytical and decision-making skills.
• Knowledge of credit laws, financial regulations, and debt collection best practices.
• Excellent communication and negotiation abilities.
• Proficiency in financial software and credit management tools.
• Leadership experience of at least two years (managing a team).

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.