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.

Responsibilities

• 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 CredPal's 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.

Key Success Metrics

• 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.

Requirements

• Bachelor’s 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.

Benefits

• 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.