CHIEF TREASURY OFFICER (CTO)

Job Description: Chief Treasury Officer (CTO) Industry: Banking, Financial Services, Insurance, Investment Job Type: Full-Time Reporting To: Chief Financial Officer (CFO) / Chief Executive Officer (CEO) Job Summary The Chief Treasury Officer (CTO) is responsible for overseeing the organization's treasury function, including liquidity management, funding strategies, capital planning, and financial risk management. This role ensures optimal cash flow, efficient capital allocation, and compliance with regulatory requirements in a highly regulated financial environment. The CTO plays a critical role in maintaining financial stability, managing market risks, and supporting strategic financial decisions. Key Responsibilities 1. Liquidity & Cash Management Oversee daily liquidity management and cash flow planning Ensure adequate funding to meet operational and regulatory requirements Optimize cash utilization and working capital efficiency Monitor liquidity ratios and maintain contingency funding plans 2. Funding & Capital Management Develop and execute funding strategies (debt, equity, interbank borrowing) Manage capital structure and optimize cost of funds Ensure compliance with capital adequacy requirements Support capital raising initiatives and investor relations 3. Risk Management Manage financial risks including interest rate, foreign exchange, and market risks Develop hedging strategies and risk mitigation frameworks Monitor exposure limits and ensure compliance with risk policies Collaborate with risk management and compliance teams 4. Treasury Operations & Investments Oversee treasury operations including investments, securities, and portfolio management Manage relationships with banks, financial institutions, and counterparties Ensure optimal return on surplus funds while maintaining risk controls Supervise trading and treasury systems where applicable 5. Regulatory Compliance & Reporting Ensure compliance with regulatory requirements (central bank, financial authorities) Oversee treasury-related reporting and disclosures Maintain adherence to internal policies and governance frameworks Stay updated on regulatory changes impacting treasury functions 6. Strategic Financial Support Provide insights on financial markets, interest rate trends, and liquidity conditions Support executive leadership in strategic decision-making Collaborate with CFO and CEO on financial strategy and planning Contribute to mergers, acquisitions, and investment decisions 7. Leadership & Team Management Lead and develop the treasury team Establish performance standards and accountability Drive a culture of risk awareness and financial discipline Support talent development and succession planning Key Requirements Education Master's degree in Finance, Economics, Business Administration, or related field Professional certifications such as CFA, FRM, or ACT are highly desirable Experience 12–18+ years of experience in treasury, banking, or financial management roles Proven experience in senior treasury leadership roles (e.g., CTO, Head of Treasury, Treasurer) Strong track record in liquidity management, funding, and financial risk management Skills & Competencies Deep knowledge of treasury operations and financial markets Strong understanding of banking and financial regulations Expertise in liquidity, capital, and risk management Analytical and strategic thinking skills Leadership and team management Excellent communication and stakeholder engagement Decision-making under complex financial scenarios Key Performance Indicators (KPIs) Liquidity ratios and cash flow stability Cost of funds and capital efficiency Risk exposure and hedging effectiveness Compliance with regulatory requirements Investment returns on surplus funds Accuracy and timeliness of treasury reporting Preferred Attributes Experience in complex or multinational financial institutions Exposure to capital markets and structured finance Strong relationships with banks, regulators, and financial institutions Ability to operate in a fast-paced, highly regulated environment Compensation & Benefits Competitive executive salary Performance-based incentives Long-term incentives (where applicable) Executive benefits and allowances