Director of Cash Management

Position Summary

The Director of Cash Management is responsible for overseeing the company’s cash operations, liquidity management and forecasting, as well as creating and maintaining the company’s liquidity and capital policies. This role ensures sufficient liquidity to support loan origination, servicing, and corporate operations while maintaining strong controls over cash movements, custodial accounts, and payment activity.

The Director serves as a key leader within the Treasury organization, partnering closely with the Treasurer, Finance leadership, and other business units, as well as with external financial partners to support optimizing the company’s liquidity position, funding efficiency, operational scalability, and regulatory expectations applicable to non‑depository financial institutions.

Key Responsibilities

Cash & Liquidity Management

• Oversee daily, weekly, and forward‑looking cash positioning and liquidity forecasting to support finance operations, corporate funding needs, and debt obligations.
• Manage and analyze cash flows related to corporate operating accounts, debt facilities, investor settlements, custodial accounts, and escrow activity to develop effective and accurate liquidity forecasts.
• Support working capital optimization initiatives in coordination with finance and capital markets teams.
• Supervise and manage a team of cash management personnel

Banking, Counterparties & Payment Operations

• Own relationships with banks, payment service providers and other vendors supporting a non‑bank originator model.
• Oversee payment operations including wires, ACH, investor remittances, custodial disbursements, and servicing‑related cash movements.
• Ensure accurate setup, maintenance, security and governance of bank and custodial accounts, including signatory authority and account controls.

Risk, Controls & Compliance

• Maintain strong internal controls over cash, payments, and account access consistent with audit standards, company policies and procedures, investor requirements, and regulatory expectations.
• Partner with Internal Audit, External Audit, Compliance, and Risk teams to support audits, examinations, and counterparty reviews.
• Identify and mitigate liquidity, operational, and fraud risks associated with high‑volume cash movement and third‑party interactions.

Strategy, Process Improvement & Technology

• Support the Treasurer in developing cash management strategies, including formulation and deployment of data science-driven solutions that optimize liquidity modeling, funding structures, debt capacity, and balance sheet objectives.
• Lead automation and process improvement efforts across treasury operations, including treasury management systems, banking platforms, and reporting tools.
• Monitor industry trends impacting non‑bank originators, including payment modernization, real‑time cash visibility, and counterparty risk management.

Leadership & Cross‑Functional Partnership

• Lead, coach, and develop a team of treasury and cash management professionals, building bench strength and succession capability.
• Act as a key Treasury partner to other business units.
• Prepare and present cash, liquidity, and risk insights to senior Finance and executive leadership as needed.

Qualifications

Education & Experience

• Bachelor’s degree in Finance, Accounting, Economics, or a related field required; MBA and/or Certified Treasury Professional (CTP) preferred.
• 10+ years of progressive experience in Treasury or Cash Management, preferably within a non‑bank financial services, mortgage, specialty finance, or capital‑markets‑driven environment.
• Demonstrated experience managing complex cash flows, multiple bank and counterparty relationships, and high‑volume payment activity.

Skills & Competencies

• Strong understanding of liquidity management in a leveraged, non‑deposit funding model.
• Proven ability to partner effectively with senior executives and SVP‑level leadership.
• Excellent communication skills with the ability to translate treasury and liquidity topics into business‑relevant insights.
• High degree of judgment, integrity, and operational discipline.

Success Measures

• Appropriate liquidity to support origination, asset management, and corporate obligations while also meeting other corporate objectives including ROE and other measures of profitability.
• Strong audit, investor, and counterparty outcomes related to cash and payment controls.
• Improved cash visibility, operational efficiency, and automation across treasury processes.
• A scalable, well‑developed cash management team aligned with company growth.