cash management analyst

Cash Management Analyst

Every industry/business needs a Cash Management Analyst to handle the business cash flow. As it is an essential part of every business/ company. Therefore the demand for a cash management analyst job profile is high all over the world. It is a good career option to choose from.

Cash Management Analyst Job Description

A cash management analyst is responsible for monitoring the flow of cash into and out of the organization and the creation of the cash management statements. Mainly they are responsible for the finances of an organization which includes cash flow in and out.

A cash management analyst has the capability to sort out funds when needed so that the organization has the funds in place when they need them. They can approve transfers and deposits when funding is needed for different projects on which the organization is working.

Cash Management Analyst Responsibilities and Duties

  • They examine the cash flow of companies as well as of corresponding banks. 
  • Have to coordinate with investment managers of the organization and manage everyday surplus cash flow. 
  • To make vendor payments, manage disbursement accounts and all associated activities.
  • Have to maintain records for bank accounts and related activities, also, to ensure accuracy they evaluate all bank charges on a monthly basis. 
  • They have to coordinate with different departments and manage the opening and closing of bank accounts and prepare monthly status reports for all investment and banking activities. 
  • Always provide assistance to cash managers in various projects.
  • Mange records for all management entities and creates records of all cash flows and forecast necessaries. 

Job Requirements


  • It requires a bachelor’s degree to apply for this job profile. But an MBA degree in accounting is more preferred.
  • They should have 2-4 years of experience in finance or accounting.
Professional Requirements of Cash Management Analyst
Professional Requirements of Cash Management Analyst

Some of the professional requirements of the cash management analyst job profile are as follows:

Proven work experience in Project management or Treasury or role similar to it.

Good knowledge of banking systems and the ability to resolve issues emerging from daily operations

Solid understanding of cash management operations.

Advanced knowledge of Microsoft Applications (Specifically Excel)

Strong written and oral communication skills

Highly self motivated with a proven ability to take initiative and work independently.

Bachelor’s Degree in Accounting, Finance, or Economics

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IT Skill Set

  • Good knowledge of computer software. 
  • Working knowledge of MS Office which includes MS Word, MS Excel, MS Outlook, and MS PowerPoint.
  • Must have a solid understanding of capital markets, research skills, and communication skills.

Non-IT Skills Set

To become a successful cash management analyst you need a variety of skills like:

  •  logical-mathematical Skills: As a cash management analyst you need to utilize mathematical logic to solve cash relevant issues. 
  • Communications skills: It is a very essential skill as you have to communicate with diplomacy and tact when interacting with others. You should be perfect with your words while dealing with banks, providing customer service, and handling projects. 
  • Organizational Skills: You need to be organized as well as self-confident to make decisions and suggestions in a time sensitive environment. 
  • Analytical Skills: It is important to successfully evaluate economic and financial data. 
  • Project management Skills: Must have the ability to effectively prioritize and handle multiple projects and coordinate projects working with diverse groups of people. 
  • Decision Making: Need to take appropriate decisions relevant to cash activities by considering the relative costs and benefits of potential actions.
  • Interpersonal Skills: A cash management analyst needs strong interpersonal skills to deal with cash flow and cash activities of the business. Interpersonal skills involve oral skills and listening skills, excellent negotiation skills, conflict resolution skills, amazing problem-solving skills, the ability to work as part of a team as well as as individuals, and the ability to make decisions about the best courses of action relevant to cash.


A cash management analyst normally works approximately 40-50 hours per week with a weekend holiday. But this can vary depending on the state of the company. Need to work hard and spend extra time during quarter/ year-end closes and need to plan business sessions weeks. This can also bring investment banking hours to an extremely busy duration. In a period of business crisis, they need to perform 70-80 hours per week. 

What kind of challenges does a Cash Management Analyst face?
  • The very first challenge is cash can be hard to track and manage.
  • Sometimes they need to face many cash flow differences caused by accrual-based accounting. 
  • A company might generate a lot of revenue as displayed on its income statement, but it doesn’t collect cash from the customer. 
  • An organization might appear to have a lot more cash on its income sheet/ Balance sheet, but its debts/ liabilities are much greater than income. Such situations can lead to bankruptcy. 
  • While accounting for financial transactions in accordance with periodic financial statements, cash management analysts aren’t always the most complete or even best source of information.

What package can you expect?

What package can you expect?

The salary of a cash management analysis ranges from 20,000 to 40,000 per month. This salary range differs as per the applicant’s skills, knowledge, and most important experience. Sometimes it differs due to company location and company scale.

Future Growth Prospects and the path to get there.

  • After gaining enough experience as a cash management analyst, one can go for a supervisory position. This involves monitoring the ongoing service of cash management programs for business banking clients. In this job profile to meet cash management needs, you need to assist in the development and implementation of custom plans. 
  • You can also apply for a portfolio manager or a fund manager monitoring a team of senior analysts. This involves investments in the fund’s assets, implementing the fund’s investment strategies, and handling daily portfolio management. 
  • In the corporate world, with greater cash management experience and expertise, one can become a treasury manager. Treasury managers handle cash flow, fund borrowings, debt, and capital of the organization. 
  • You can also look for Chief Financial Officer (CFO) or Chief Investment Officer (CIO), who is responsible for all company’s financial activities. CFO is the senior executive who is mainly responsible for analyzing a company’s financial strengths and weaknesses and providing perfect solutions. Where CIO is an executive who handles the organization’s investment portfolios as well as builds short-term and long-term investment policies.

What if this Career does not work out for you?

It’s okay if you give it your best effort with everything you have in this career, and in the end, it still doesn’t work out.  There are other alternative career options that you can also apply for:

  • Capital and Liquidity Management Analyst

The primary function of this role is to contribute to the bank’s balance sheet and income statement modeling methodologies in support of capital planning and other end uses, such as planning, liquidity, and interest rate risk within the banking book.

  • Financial Analyst

Financial Analysts tend to work at government agencies or more traditional (non-finance) corporations. Nearly all large companies, regardless of industry or sector, keep financial analysts on staff in order to analyze expenditures and cash flows, to maintain budgets, and more.

  • Treasury and Risk Management Analyst

A treasury risk analyst makes sure a company’s finances are sufficient and will continue to be so in the future to satisfy its financial needs. Many of these professionals’ job duties include conducting a daily analysis of cash and investment balances, reviewing insurance balances to ensure they are adequate, managing insurance invoices and bills, tracking debt agreements, and coordinating third-party payments. Jobs may be found with the government, corporations, financial institutions, or security and commodity brokerages.

  • Capital and Liquidity Management Analyst

The primary function of this role is to contribute to the bank’s balance sheet and income statement modeling methodologies in support of capital planning and other end uses, such as planning, liquidity, and interest rate risk within the banking book.

  • Cash Management Specialist

A Cash Management Specialist is usually in charge of tasks related to managing money, like account reconciliation and maintaining records of cash applications. They may also be responsible for setting up customer profiles for bank applications so they can access online systems. Additionally, this job role requires you to maintain customer records, evaluate overdrafts and monthly statements, and monitor all balances.

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