Senior Treasury Officer at a Licensed Fintech-driven Microfinance Bank - Veridion Advisory Partners

• The role is responsible for developing and managing the Bank’s liquidity framework, funding strategy, deposit structure (including fixed deposits), and balance sheet optimization in line with regulatory requirements and business objectives.
• The successful candidate will design and implement treasury policies, processes, and control frameworks, while providing strategic direction on liquidity positioning, cost of funds, and overall treasury operations within a startup digital banking environment.

Treasury Function Setup:

• Design and build the entire treasury function from ground zero.
• Develop and implement treasury policies, frameworks, and governance structures.
• Establish liquidity management models, reporting templates, and control mechanisms.
• Define treasury workflows, approval limits, and operational standards.

Liquidity Management & Funding Strategy:

• Develop and execute the Bank’s liquidity strategy and funding plan.
• Monitor daily liquidity positions and ensure adequate funding at all times.
• Build contingency funding frameworks for stress scenarios.
• Optimize cost of funds vs yield on assets.

Deposit Mobilization & Fixed Deposit Strategy:

• Provide strategic direction for deposit mobilization across savings, current, and fixed deposits.
• Design fixed deposit products, pricing models, and tenure structures.
• Drive initiatives to ensure strong, stable, and low-cost deposit base.
• Work closely with Growth & Marketing to align funding strategy with customer acquisition.

Investment & Asset Allocation:

• Develop strategies for investment of surplus liquidity.
• Optimize returns while maintaining regulatory and risk compliance.
• Provide recommendations on asset-liability matching (ALM).
• Monitor market trends and interest rate movements.

Treasury Operations & Execution:

• Set up and manage interbank placements, borrowings, and funding relationships.
• Establish strong relationships with banks and financial counterparties.
• Oversee daily treasury operations including cash positioning and settlements.
• Ensure accuracy, efficiency, and control in all treasury activities.

Asset-Liability Management (ALM):

• Build the Bank’s ALM framework and reporting structure from scratch.
• Monitor maturity gaps and interest rate exposure.
• Provide strategic input on balance sheet optimization.
• Support ALCO reporting and decision-making.

Regulatory Compliance & Reporting:

• Ensure full compliance with CBN liquidity requirements and treasury guidelines.
• Develop templates for regulatory reporting and internal reporting.
• Maintain audit-ready documentation at all times.
• Stay ahead of regulatory changes and proactively implement updates.

Risk Management in Treasury:

• Identify and manage liquidity, market, and counterparty risks.
• Design control measures to prevent financial exposure and fund mismanagement.
• Work closely with Risk & Compliance to ensure strong governance.

Strategic Leadership & Direction:

• Act as the treasury subject-matter expert, guiding Executive Management on funding and liquidity decisions.
• Provide insights on:
  • Deposit strategy
  • Cost of funds
  • Profitability optimization
• Drive financial discipline and treasury best practices across the Bank.

Interested and qualified candidates should send their CV to: info.veridionadvisorypartners@gmail.com using “Senior Treasury Officer” as the subject of the email.