Position SummaryThe Senior Treasury Analyst owns the analytical, forecasting, and lender-reporting work that supports RideNow's capital structure, including an active senior debt refinancing and an anticipated lender facility. This is a modeling and reporting-forward role with meaningful executive exposure, structured to grow into broader Treasury leadership over time.
Key ResponsibilitiesCash Flow Forecasting & Liquidity Analysis- Own the rolling 13-week direct cash flow forecast across all entities.
- Refresh weekly variances, analyze drivers, and communicate liquidity risks and opportunities to the Treasury Manager and CFO.
- Maintain the FY26 / FY27 rolling cash forecast workbook and dashboards.
- Support 3-statement projections where they intersect with debt capacity, liquidity, and lender reporting.
Debt Compliance & Lender Reporting- Prepare the weekly lender certificate: pull AR aging and inventory data, apply eligibility rules and advance rates, calculate availability, and deliver to the lender on schedule.
- Maintain the covenant compliance workbook, leverage, fixed charge coverage, minimum liquidity, minimum EBITDA, with support schedules and traceable back-up.
- Own the compliance calendar: reporting deliverables, covenant certificates, notice obligations, and lender-required financial reporting.
- Model covenant headroom and liquidity under multiple scenarios; refresh projections as actuals come in.
Refinancing & Capital Structure Support- Support the senior debt refinancing and the anticipated facilities: data room population, lender diligence responses, Q&A coordination, and pre-close reporting build-out.
- Partner with the Treasury Director. FP&A and CFO/CEO on lender presentations, term sheet analysis, and capital structure decisions.
- Build and maintain the lender exposure schedule and debt service forecast.
Reporting, Modeling & Ad-Hoc Analysis- Deliver recurring treasury reports for leadership, weekly cash trend, used unit flooring status, floor plan interest tracker, and lender exposure summaries.
- Build and refresh dashboards in Excel, Power Query, and web-based tools tied to bank and ERP data.
- Produce ad-hoc analyses for the CFO on working capital, debt service, merchant economics, surcharge programs, and capital structure decisions.
Cash Management & Bank Operations- Execute daily cash positioning across all RideNow and RumbleOn entities; identify funding needs and excess cash.
- Support bank reconciliation activity as additional store locations centralize.
Floor Plan & Payment Workflow Support- Support monthly floor plan statement reconciliation, interest processing, and unit transfer coordination across all lenders (Polaris Acceptance, Huntington Distribution Finance, Wells Fargo CDF, and others).
- Support major unit payoffs and Cash Offer program purchase accounting - lienholder verification, funding confirmation, and reconciliation to the DMS / ERP.
- Partner with AP and Retail Accounting on exception resolution.
Required Qualifications- Bachelor's degree in finance, Accounting, Economics, or related field.
- 3-5 years of experience in Treasury, Corporate Finance, FP&A, or Accounting.
- Strong analytical and modeling capability, 3-statement modeling, forecasting, and variance analysis.
- Advanced Microsoft Excel: pivot tables, XLOOKUP / INDEX-MATCH, SUMIFS, and comfort with large datasets.
- Experience pulling data from ERP or reporting systems and producing recurring reports.
- Clear written and verbal communication; comfortable preparing materials for CFO-level and lender audiences.
- Detail-driven, self-directed, and comfortable in a lean team where ownership is expected.
Preferred Qualifications- Prior experience with debt compliance, ABL / borrowing base reporting, or covenant certificate preparation.
- Refinancing, M&A, or lender diligence experience.
- Prior Treasury exposure, bank portals (JPMorgan Access, Wells Fargo CEO), Positive Pay, wire / ACH origination.
- Automotive, powersports, marine, RV, Retail background.
- Power Query, Power BI, VBA, SQL, or Python.
Tools & Systems- Banking: JPMorgan Access, Wells Fargo CEO, Huntington portals.
- Floor Plan / OEM Lenders: Polaris Acceptance, Huntington Distribution Finance, Wells Fargo CDF, OEM portals.
- Dealership / Accounting Systems: Lightspeed, Sage Intacct, EVO, AVID, Floqast.
- Analysis & Reporting: Excel (advanced), Power Query, Power BI, Google Workspace.
What Success Looks Like- 90 days: independently producing the weekly borrowing base and covenant compliance package; fully operating daily cash positioning and core bank operations.
- 6 months: owning the rolling cash forecast, covenant workbook, and lender reporting cadence; capable of leading diligence responses under Treasury Manager direction.
- 12 months: trusted second seat in Treasury, covering core operations during PTO, driving the analytical work for the ABL environment, and delivering at least one automation improvement to production.
Work Authorization- Candidates must be authorized to work in the United States without current or future sponsorship.
Our Culture- We operate in a fast-paced, performance-driven environment focused on accountability, ownership, and continuous improvement.
