Meet Athena, the Home Loan Wrecker
Athena Home Loans burst into the industry in 2019 to shake things up and change home
loans for good.
We're reimagining home loans and showing Australia there's a lender on their side. Homeloans are all we do. We continue to rewrite the rules of home lending, creating tools,
products and policy that put the power back in our customers' hands. Athena has been
recognised amongst multiple consumer lending and industry awards including Canstar
Outstanding Value and Innovation Excellence awards, RateCity and Mozo awards, Fintech Lender of the Year and the AFR Boss Best Places to Work list.
Treasury@Athena
The Treasury team manages the funding and liquidity backbone of the business — built from the ground up since Athena's first balance-sheet loans to now having securitised over $10 billion in assets across warehouse, term RMBS programme and whole-loan sale structures. Operating with a small, highly skilled footprint, the team optimises capital efficiency, enables new products and ensures resilient access to funding markets through deep expertise and disciplined execution.
For an analyst, it's a unique opportunity to work hands-on across structured finance and
securitisation, engage with complex funding mechanics and collaborate closely with senior leaders across treasury, finance, risk, operations and product.
The Role
As a Treasury Analyst, you'll play a key role across Athena's funding operations, securitisation programme and financial markets activities. No two days are alike — the role blends operational execution with analytical depth and market engagement, providing strong foundations for growth into more senior treasury and structured-finance roles.
You will:
- Execute day-to-day treasury operations including portfolio and cashflow analysis, internal and external reporting, management of funder, investor, and trustee operational and data requirements — ensuring accuracy, timeliness and compliance with portfolio parameters, covenants, and legal documentation.
- Plan and execute mortgage asset transfers and debt programme transactions across Athena's warehouse and term funding programmes, liaising with external banks, rating agencies, lawyers and other external counterparties.
- Monitor and reconcile asset and liability positions, including modelling fixed rate risk and basis risk; support hedging transactions and assist with interest rate swap management and deal execution.
- Play an active role in developing Athena's trust management capabilities, including supporting the implementation and enhancement of treasury systems.
- Work alongside the Head of Funding Solutions to produce analysis and data reporting for senior management and the Board on liquidity, funding and other Treasury matters.
- Drive operational process improvement and support the Treasury Middle Office in identifying and implementing business and technology change across Treasury and Finance.
- Support Athena's Finance team as a Treasury SME, providing operational support for day-to-day enquiries, payment allocations, instructions, and reconciliations.
Who are we looking for?
- Currently working as a Treasury Analyst (or equivalent role) with 2+ years' direct experience in asset-backed funding or securitisation environments. Experience in mortgage-backed securities and RMBS programmes is particularly valued.
- Relevant tertiary qualification in Finance, Accounting, Economics or a related quantitative field.
- Sound understanding of funding, liquidity, and risk management across securitisation structures, with practical knowledge of Treasury functions and Financial Markets. Experience with interest rate swaps, FX, and derivatives is preferred.
- Strong applied Excel capability, with experience building analytical models, reconciliations and repeatable reporting. SQL skills and exposure to treasury systems (particularly Perpetual's TFI platform) are highly regarded.
- Excellent communication and numerical reasoning skills, with strong attention to detail and comfort dealing directly with external financial market participants.
- Self-directed, organised, and energised by a fast-paced, hands-on environment with a small team and flat structure.
Benefits & Perks
- Inclusive, flexible and casual working environment
- Hybrid working with HQ anchor days in award-winning office space
- Wellbeing program supporting physical, mental, social and financial health
- Perks program with access to discounts on everyday expenses
- Fantastic team culture with regular team events
You'll be joining an experienced team that's passionate about being best-in-class in everything we do. We have a relaxed and fun atmosphere where you can bring your unique self and skills to help us all grow together.
At Athena, we are committed to a workplace that embraces diversity, equality, and inclusion. Athenians are free to let their own brand of freak fly
Skills Required
- 2+ years' experience in asset-backed funding or securitisation environments
- Relevant tertiary qualification in Finance, Accounting, Economics or similar
- Sound understanding of funding, liquidity and risk management
- Strong applied Excel capability
- Experience with interest rate swaps, FX and derivatives
- Excellent communication and numerical reasoning skills
- Self-directed and organized in fast-paced environments
What We Do
The big banks are definitely having a lend… locking borrowers into a life sentence, charging them for sneezing, and giving 0% interest in treating customers like people. We know, we used to work for them. Enter Athena, the Game-Changing Goddess of Good Stuff. She spoke to us (well it was more of a roasting) and talked of a brighter future where people could be freed of their mortgage handcuffs. “It’s not about getting a home loan, it’s about getting rid of a £#!*ing home loan!” She was right. We did the sums, and worked out that without the big bank costs and complications, and by creating our own ground-breaking tech platform that enables us to bypass the banks to access new methods of funding, then we actually could slice a pretty huge chunk of time and money off the life of the loan. Finding a short-cut to financial freedom, Athena’s vision is now a reality. Now you can enjoy a home loan with a whole new level of service, speed and savings.
