Head of Treasury

The Head of Treasury provides strategic and operational leadership over the Finance function of Digibank & Fintech, ensuring robust liquidity management, cash forecasting, foreign exchange transactions execution, investment management, and financial risk control across multiple Fintech and Digibank entities operating in Africa.

He/she ensures that the Cluster has the optimal cash structure, sourcing various currencies at the best rate, risk-hedging mechanisms to support growth, regulatory compliance, and financial resilience.

RESPONSIBILITIES

Strategic Leadership & Treasury Governance

• Develop and execute the Digibank & Fintech Treasury Strategy aligned with overall financial, risk, and business objectives.
• Establish a central treasury governance framework defining policies, procedures, limits, and approval authorities across subsidiaries.
• Design and maintain the Digibank & Fintech Liquidity Policy, Funding Policy, and Investment Policy, ensuring alignment with local regulatory requirements (Banking, e-money, PSP, and Fintech regulators).
• Act as the primary liaison with central banks, banking partners, and rating agencies.

Liquidity & Cash Management

• Supervise daily cash positioning and intercompany liquidity; ensure optimal utilization of funds across entities.
• Oversee short- and medium-term cash forecasting leveraging digital treasury tools and predictive analytics.
• Implement a centralized treasury management system (TMS) integrating APIs with Digibank and PSP platforms for real-time visibility.
• Manage the Digibank & Fintech cash pooling structure and ensure efficient repatriation, cross-border remittances, and funding flows.
• Define and monitor liquidity KPIs (LCR, NSFR, liquidity gap, free cash ratios) and maintain appropriate stress testing models.

Investment & Financial Risk Management

• Oversee the management of surplus liquidity through low-risk, high-yield investment instruments compliant with regulatory constraints where applicable.
• Design and implement FX, interest rate, and market risk hedging strategies (e.g., forwards, swaps, NDFs).
• Ensure ongoing monitoring and mitigation of counterparty, credit, and concentration risks.
• Lead the development of a Treasury Risk Dashboard integrated with the Risk Management function.

Treasury Operations & Controls

• Supervise treasury back-office operations: deal confirmations, settlements, accounting, and reconciliations.
• Ensure full compliance with IFRS, internal controls and audit requirements.
• Work closely with Internal Audit, Risk & Compliance to ensure robust segregation of duties, documentation, and authorization matrices.
• Lead periodic treasury process reviews to enhance efficiency and automation (RPA, AI, blockchain-based payment rails).

Technology, Innovation & Transformation

• Champion digital treasury innovation: adoption of APIs, AI-based forecasting, data analytics, and centralized dashboards.
• Coordinate with the Digibank & Fintech CIO to ensure treasury systems’ integration with the Digibank core and Fintech payment engines.
• Promote real-time liquidity visibility and advanced risk analytics for proactive decision-making.

Team Leadership & Development

• Build and lead a high-performing treasury team across multiple jurisdictions.
• Develop talent through structured learning, performance management, and succession planning.
• Foster a culture of discipline, integrity, collaboration, and innovation within the finance community.

PROFILE

ACADEMIC

• Mater’s degree in Finance, Economics, Accounting or Business Administration from a reputable institution.
• Professional certification preferred : ACT (Association of Corporate Treasurers)

EXPERIENCES

• 10–15 years of experience in treasury, financial risk management.
• Minimum 5 years in a senior treasury leadership role within banking, fintech, digital payments, or financial services.
• Proven record in multi-currency treasury management, cross-border liquidity, and regulatory compliance across African jurisdictions.
• Proven record in capital and liquidity management.

COMPETENCIES

Hard skills

• Deep knowledge of treasury operations, cash management, ALM, FX, derivatives, and investment management.
• Advanced proficiency with Treasury Management Systems (e.g., Kyriba, FIS, SAP TRM).
• Strong command of IFRS, Basel III liquidity principles, and local prudential regulations.
• Solid understanding of fintech payment ecosystems, mobile money flows, and settlement risk.

Soft Skills

• Strategic thinker with strong analytical and financial modeling skills.
• High integrity, reliability, and ethical standards.
• Leadership presence with excellent communication and negotiation abilities.
• Excellent command of English; French language proficiency is a strong plus.
• Agility and resilience in fast-changing, multicultural environments.
• Collaborative and solution-oriented mindset.