Treasury Analyst

Job Intro Treasury Analyst - Cape Town, WC Western Cape

Role Purpose The Treasury Analyst provides hands-on analytical and operational support to the Treasurer in establishing and
running an effective treasury function for the business. The role is responsible for preparing
and analysing daily cash, liquidity, funding and risk metrics against limits and management information;
supporting regulatory and ALCO reporting; maintaining accurate treasury data; and executing approved
transactions with market counterparties. Working under the direction and within the delegated authority of the
Treasurer, the Treasury Analyst helps deploy surplus funding, source market funding to close liquidity gaps,
monitor key limits and ratios, and support the development of efficient, well-controlled and increasingly
automated treasury processes. Job Specification Key Responsibilities Treasury Operations and Support

• Provide day-to-day analytical and operational support to the Treasurer across cash, liquidity, funding and
• balance sheet risk activities.
• Prepare daily treasury packs, dashboards and management information, ensuring data is complete, accurate
• and delivered on time.
• Maintain treasury records, deal confirmations, funding schedules, counterparty information and supporting
• documentation.
• Assist with treasury-specific reconciliations (cash position, funding and deposit, treasury
• product/investments, treasury deals); verify and reconcile settlement of treasury transactions with Finance;
• investigate failures, delays, breaks and incorrect values; and follow up with Finance and other relevant
• teams to resolve exceptions.

Offer Cash and Liquidity Management

• Prepare and analyse daily cash positions, cash flow forecasts and liquidity projections across relevant bank
• accounts and currencies.
• Monitor expected inflows, outflows, maturities and settlement obligations, and escalate potential shortfalls
• or excess liquidity to the Treasurer.
• Support daily liquidity planning, maturity mismatch analysis and the monitoring of liquidity buffers.
• Assist in maintaining contingency funding information and supporting liquidity stress-testing inputs and
• analysis.

Funding and Market Execution

• Execute approved treasury transactions with banks and market counterparties within delegated limits and in
• accordance with approved mandates.
• Deploy surplus cash into approved instruments, considering liquidity and capital requirements and
• implications, counterparty limits, tenor, return and concentration risk.
• Support the sourcing of funding to close identified liquidity gaps, including obtaining market quotes,
• comparing terms and preparing recommendations for approval.
• Assist with deposit-taking and wholesale funding activity, including pricing analysis, maturity tracking,
• settlement and ongoing monitoring.
• Maintain evidence of quotations, approvals, confirmations and transaction terms for audit and control
• purposes.

Liquidity, Funding and Balance Sheet Analysis

• Analyse funding concentrations, maturity profiles, liquidity gaps and movements in key treasury metrics.
• Prepare supporting analysis for the Liquidity Coverage Ratio (LCR), Net Stable Funding Ratio (NSFR), cash
• flow mismatches and other internal liquidity measures.
• Support interest rate risk in the banking book (IRRBB) analysis, including data preparation and repricing gap
• reporting to determine balance sheet positioning or trades to execute to manage interest rate gaps, and
• investigate material movements alongside the risk team.
• Perform trend, variance and scenario analysis and clearly explain key drivers, risks and emerging issues to
• the Treasurer.

Reporting, ALCO and Regulatory Support
Prepare accurate and timely treasury reports for ALCO, management, the Board and other governance
forums.
Compile treasury data and supporting schedules for applicable SARB regulatory returns, and assist with
validation, treasury reconciliation and review processes.
Prepare commentary on material movements in liquidity, funding, cash flow, interest rate risk and market
activity.
Maintain reporting calendars, working papers and evidence to support internal review, external audit and
regulatory enquiries.
Risk Management, Controls and Compliance
Monitor compliance with approved limits, policies, mandates and counterparty exposures, and promptly
escalate breaches or emerging concerns.
Perform daily control checks over treasury transactions, settlements, cash movements, market data and
reporting outputs.
Support liquidity, funding, interest rate, foreign exchange, counterparty and operational risk monitoring.
Ensure treasury activities comply with relevant internal policies, SARB requirements, Basel standards and
governance expectations.
Treasury Systems, Data and Process Improvement
Maintain accurate data in treasury, banking, general ledger and reporting systems, and assist with data
quality checks between systems.
Support the implementation and ongoing use of the Treasury Management Solution, including testing,
treasury reconciliations with Finance and user procedures.
Identify opportunities to enhance recurring reports, controls, cash forecasting and workflow activities.
Maintain treasury documentation and procedures, and contribute to scalable processes that support future
products, growth and regulatory requirements.
Stakeholder and Counterparty Coordination
Coordinate with Finance, Risk, Operations, Technology and business teams to obtain inputs and resolve
treasury-related queries.
Maintain professional working relationships with banks, brokers, deposit counterparties and other market
participants.
Support onboarding, know-your-customer documentation, account administration and operational
arrangements with financial institutions.
Provide clear and concise analysis to support decisions by the Treasurer and relevant governance
committees. Regulatory & Governance Context

• This role operates within, and must maintain current working knowledge of:
• South African Reserve Bank (SARB) regulatory reporting requirements and Banks Act 94 of 1990 obligations relevant to treasury activities
• Basel III standards as applied locally, including the Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR)
• Interest rate risk in the banking book (IRRBB) measurement and reporting standards
• Internal treasury policies, mandates, delegated authorities and approved counterparty/concentration limits
• ALCO governance requirements and associated Board/management reporting obligations

Requirements Qualifications

• Bachelor's degree in Finance, Economics, Accounting, Mathematics or a related discipline.

Experience

• Approximately 2 to 4 years of relevant experience in treasury, banking, financial markets, risk, finance or a graduate programme.
• Foundational understanding of cash management, liquidity, funding, financial instruments and balance sheet risk.
• Basic understanding of money-market instruments, deposits, foreign exchange and interest rate products.

Skills & Knowledge

• Working knowledge of LCR, NSFR, IRRBB and banking regulatory reporting would be advantageous.
• Good numerical and analytical capability, including the ability to interpret financial data and investigate movements.
• Strong Microsoft Excel skills; exposure to AI tools and BI dashboards, treasury systems, ALM tools or data automation would be advantageous.
• Ability to work accurately with transaction data, reconciliations, reports and time-sensitive deliverables.

  Key Competencies

• Analytical thinking and attention to detail – analyses financial information accurately, identifies unusualmovements and produces reliable reports and recommendations.
• Execution discipline and accountability – takes ownership of assigned activities, follows approved processesand limits, and completes transactions and reporting within required timelines.
• Communication skills – communicates treasury information clearly and concisely, raises issues promptly andprepares well-structured written commentary.
• Learning agility and initiative – demonstrates curiosity, builds technical treasury knowledge and proactivelyidentifies opportunities to improve analysis, controls and processes.
• Collaboration and relationship building – works effectively with the Treasurer, Finance, Risk, Operations,
• Technology and external counterparties to deliver treasury objectives.
• Integrity and control mindset – handles sensitive financial information responsibly and maintains a strongfocus on accuracy, approvals, evidence and regulatory compliance.
• Resilience and prioritisation – remains organised and dependable in a deadline-driven environment,particularly during daily funding decisions, month-end and regulatory reporting cycles.

Monthly Salary: Market related