JOB DESCRIPTION:
The Treasurer is responsible for overseeing the end-to-end cash management, liquidity planning, financial risk management, and capital strategy within a FinTech (payments / employer-of-record / digital banking) environment. This leadership role requires a deep understanding of cross-border payment flows, diverse regulatory requirements across African markets, and the strategic financial frameworks employed by global payment networks (e.g., Visa, Mastercard).
KEY RELATIONSHIPS:
Finance Department.
Product.
Operations.
Legal/Compliance.
CORE RESPONSIBILITIES:
Liquidity & Cash Management
Oversee daily cash positions across multiple bank accounts and payment channels.
Ensure funds availability for operational needs, settlement activities, and client payouts.
Implement best practices from global payment companies (Visa, Mastercard) for real-time tracking of transactions, float management, and optimizing payment settlement cycles.
Banking & Payment Partnerships
Establish and maintain strong relationships with local and international banks, mobile money operators, and payment providers.
Negotiate and manage banking facilities, credit lines, and service-level agreements.
Align treasury operations with partner networks (e.g., Visa, Mastercard) and regional payment gateways (e.g., MFS Africa, InterSwitch).
Risk Management & Compliance
Identify, measure, and manage financial risks (interest rate risk, foreign exchange risk, credit risk, etc.).
Develop hedging strategies (when applicable) to mitigate exposure in multi-currency environments common in African cross-border transactions.
Ensure compliance with local regulations, central bank reporting requirements, and global AML/KYC standards.
Capital Strategy & Funding
Work with the executive team (CFO, CEO) to define and execute capital-raising strategies (equity, debt, or other instruments).
Optimise the capital structure in alignment with the company’s growth and regulatory requirements.
Provide treasury-related insights during fundraising, ensuring robust liquidity planning for scaling products and operations across African markets.
Cash Flow Forecasting & Budgeting
Develop short- and long-term cash flow forecasts, integrating large-scale settlement flows from payment rails (Visa, Mastercard) and local African payment ecosystems.
Collaborate with finance, sales, and product teams to update forecasts based on transaction volume, new market entries, and macroeconomic factors.
Recommend adjustments to budgets and financial plans based on market volatility or currency fluctuations.
Operational Efficiency & Technology
Leverage treasury management systems and FinTech tools for automation of cash management, reconciliation, and risk analytics.
Collaborate with product/technology teams to ensure seamless integration of treasury functions with customer-facing payment platforms.
Stay updated on emerging financial technologies (e.g., blockchain-based cross-border solutions) to enhance treasury efficiency and reduce transaction costs.
Policy & Governance
Develop, implement, and continuously improve treasury policies, procedures, and controls in line with best-in-class standards (e.g., those used by Visa and Mastercard).
Present treasury reports, KPIs, and compliance updates to the board and executive committee.
Drive or support audit activities, ensuring robust internal controls and adherence to IFRS or local GAAP standards.
Team Leadership & Stakeholder Management
Build and lead a high-performing treasury team, providing mentorship and clear development pathways.
Coordinate across departments (Finance, Product, Operations, Risk & Compliance) to align the treasury function with overall company strategy.
Partner with external stakeholders (investors, auditors, regulators) to represent the company’s treasury strategy and financial stability.
QUALIFICATIONS & EXPERIENCE:
Bachelor’s degree in Finance, Accounting, Economics, or a related field. A Master’s degree (MBA, MSc Finance) is preferred.
ACT (Association of Corporate Treasurers), ACCA, CIMA, or CFA is advantageous.
8+ years of progressive experience in treasury, corporate finance, or a related function.
Previous experience in a payments or FinTech environment is highly desirable.
Familiarity with African banking regulations, cross-border settlements, and multi-currency liquidity management.
SKILLS:
Advanced proficiency in Microsoft Excel or Google Sheets for data analysis and reporting.
Strong knowledge of treasury management systems, payment gateways, and reconciliation tools.
Proficiency in risk management (FX, interest rate, credit risk) and hedging strategies.
Excellent communication and stakeholder management skills.
Strong analytical and strategic mindset, with attention to detail.
Ability to operate in a fast-paced, sometimes ambiguous environment typical of high-growth FinTechs.
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