Treasury Management Officer

About the role

CredPal, a financial technology company offering credit cards and investment solutions, is looking for a Treasury Management Officer (full time, hybrid, mid-level) to support day-to-day treasury operations. The role focuses on cash-flow management, liquidity planning, fund allocation, banking operations, financial controls and cash optimization, giving the business clear visibility of its cash position and efficient allocation of funds across lending, operations, investments and partner obligations.

Key responsibilities

• Monitor daily cash positions across bank accounts, wallets and payment platforms to ensure adequate liquidity for lending, settlements and operational expenses.
• Maintain short-, medium- and long-term cash-flow forecasts and identify ways to reduce idle funds and improve working capital.
• Support lending activities by coordinating funding with Finance, Credit, Collections and Business teams, and track expected collections against actual receipts.
• Manage bank relationships, including account operations, transfers, settlements, charges, limits and issue resolution.
• Allocate funds across accounts and business units according to approved priorities, and place surplus liquidity in approved instruments.
• Monitor foreign-currency requirements and exposures, support FX transactions and track exchange rates.
• Track bank charges, financing costs and transaction fees, and reconcile treasury transactions with proper approvals and controls.
• Prepare daily and weekly treasury reports and give management timely insight into liquidity, funding gaps and treasury risks.
• Monitor liquidity, counterparty, interest-rate, concentration, settlement and FX risks, and work with teams to improve processes, reporting and automation.

Required profile

• Bachelor's degree in Finance, Accounting, Economics, Banking & Finance, Business Administration or a related discipline.
• At least 4 years of relevant experience in treasury, corporate finance, banking, financial operations or a related role.
• Fintech, banking, lending, payments or financial services experience strongly preferred.
• Strong financial and numerical analysis skills, good understanding of banking operations, FX, interest rates, investments and treasury risk.
• Ability to handle high-value transactions accurately and confidentially, and to work under pressure with competing priorities.

Required skills

• Advanced proficiency in Microsoft Excel or Google Sheets, including cash-flow models, reports, trackers and dashboards.
• Experience managing multiple bank accounts, fund transfers, settlements, reconciliations and treasury reporting.
• 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.

What we offer

• Competitive salary package.
• Professional development opportunities.
• A collaborative and inclusive work culture with supportive management.