Treasury Management Officer

CredPal is a leading financial technology company that offers a comprehensive range of financial solutions including credit cards and investment opportunities to empower individuals. Our mission is to revolutionize access to credit and investment enabling individuals to take charge of their financial well-being.

Job Title: Treasury Management Officer

Job Type: Full Time/Hybrid

Level: Mid-Level

Purpose Statement

We are seeking an experienced Treasury Management Officer who will be responsible for supporting our day-to-day treasury operations with a strong focus on cash-flow management liquidity planning fund allocation banking operations financial controls and cash optimization. The role will ensure that the business has clear visibility into its cash position and that funds are efficiently allocated across lending activities operational expenses investments partner obligations and other business requirements. The ideal candidate should be analytical highly detail-oriented commercially aware and comfortable working within a fast-paced fintech environment where cash movements funding requirements and business priorities can change rapidly.

• Daily Cash & Liquidity Management: Monitor daily cash positions across bank accounts wallets payment platforms and other financial channels to ensure adequate liquidity for lending activities settlements operational expenses and other obligations.
  

• Cash-Flow Forecasting: Maintain short- medium- and long-term cash-flow forecasts incorporating expected inflows collections disbursements operating expenses investments repayments and other financial commitments.
  

• Cash-Flow Optimization: Identify opportunities to improve the timing and allocation of cash reduce idle funds optimize working capital and improve the overall efficiency of CredPals cash deployment.
  

• Funding & Lending Support: Work closely with Finance Credit Collections and Business teams to understand lending requirements and ensure adequate funding is available to support credit-card installment-loan and other lending activities.
  

• Collections & Inflow Monitoring: Track expected collections and other material inflows against actual receipts highlight significant variances and support improved visibility into cash available for redeployment.
  

• Banking Operations: Manage day-to-day relationships with banks and financial institutions including account operations transfers placements settlements banking charges transaction limits and resolution of treasury-related issues.
  

• Fund Allocation: Coordinate the movement and allocation of funds across accounts and business units based on approved priorities while ensuring appropriate approvals documentation and controls.
  

• Investment & Surplus Cash Management: Support the placement of surplus liquidity in approved instruments considering liquidity requirements risk tenor yield and counterparty exposure.
  

• Foreign Exchange Management: Monitor foreign-currency requirements and exposures support FX transactions track applicable exchange rates and identify opportunities to minimize unnecessary FX costs and exposure.
  

• Treasury Cost Management: Monitor bank charges financing costs transaction fees interest expenses and other treasury-related costs identifying opportunities for negotiation and optimization.
  

• Reconciliation & Controls: Ensure treasury transactions are properly documented and reconciled and that movements of funds are supported by appropriate approvals and financial controls.
  

• Treasury Reporting: Prepare daily and weekly treasury reports covering cash position liquidity expected inflows and outflows funding requirements investments liabilities and significant cash-flow variances.
  

• Management Reporting: Provide Finance and Executive Management with timely insights on liquidity cash utilization funding gaps treasury risks and upcoming financial obligations to support decision-making.
  

• Treasury Risk Management: Monitor liquidity counterparty interest-rate concentration settlement and foreign-exchange risks and escalate material exposures appropriately.
  

• Process Improvement & Automation: Work with Finance Product Operations and Engineering teams to improve treasury processes reporting reconciliations payment workflows and automation.
  

• Compliance: Ensure treasury activities comply with internal policies approval limits regulatory requirements contractual obligations and applicable financial controls.
  

• Cross-Functional Collaboration: Partner closely with Finance Credit Collections Operations Product Compliance and senior management to ensure financial resources are aligned with business priorities.
  

• Accurate and timely cash-flow and liquidity reporting.
  

• Sufficient liquidity to meet business and lending obligations.
  

• Improved cash utilization and reduced idle funds.
  

• Reduced banking transaction and FX-related costs.
  

• Timely reconciliation with minimal unresolved variances.
  

• Early identification and escalation of funding gaps.
  

• Strong compliance with treasury controls and approval processes.
  

• Improved treasury efficiency through process optimization and automation.
  

• Bachelors degree in Finance Accounting Economics Banking & Finance Business Administration or a related discipline.
  

• Minimum of 4years years of relevant experience in treasury corporate finance banking financial operations or a related role.
  

• Experience within fintech banking lending payments or financial services is strongly preferred.
  

• Strong practical knowledge of cash management liquidity planning cash-flow forecasting working capital and fund allocation.
  

• Experience managing multiple bank accounts fund transfers settlements reconciliations and treasury reporting.
  

• Good understanding of banking operations foreign exchange interest rates investments and treasury risk management.
  

• Strong financial and numerical analysis skills with the ability to identify cash-flow trends variances and potential funding gaps.
  

• Advanced proficiency in Microsoft Excel or Google Sheets with experience building cash-flow models reports trackers and management dashboards.
  

• Strong understanding of financial controls approval processes reconciliation standards and transaction documentation.
  

• Ability to manage high-value financial transactions with a high level of accuracy confidentiality and accountability.
  

• Strong problem-solving analytical organizational and decision-making skills.
  

• Ability to work effectively under pressure manage competing priorities and meet time-sensitive financial obligations.
  

• Strong communication and stakeholder-management skills with the ability to collaborate across Finance Credit Collections Operations Compliance Product and Management.
  

• Comfortable working in a fast-paced technology-driven environment with a strong focus on continuous process improvement and automation.
  

• Experience with ERP systems treasury management systems banking platforms or financial reporting tools is an added advantage.
  

• Relevant professional certification such as ACA ACCA ICAN CFA or CTP is an added advantage.
  

• Competitive salary package.
  

• Professional development opportunities.
  

• A collaborative and inclusive work culture that fosters growth and innovation.
  

• Opportunity to work with cutting-edge products and technologies.
  

• Supportive and approachable management team dedicated to your success.