Treasury Manager

The Treasury Manager is responsible for managing Renmoney’s liquidity, funding, and treasury risk framework, ensuring adequate liquidity to support loan growth, optimizing funding costs, and maintaining strict compliance with CBN regulations applicable to finance companies and microfinance-regulated entities (where applicable). 

The role provides leadership in liquidity forecasting, scenario analysis, stress testing, funding strategy execution, ALCO support, and stakeholder management, while upholding the highest standards of integrity, governance, and regulatory compliance. 

Key Responsibilities 

1. Liquidity Management & Forecasting 

• Own and manage Renmoney’s daily, weekly, and medium-term liquidity position 

• Develop and maintain cash flow forecasts aligned with loan disbursement and repayment cycles 

• Ensure adequate liquidity buffers in line with internal policy and regulatory expectations 

• Monitor liquidity ratios, early-warning indicators, and funding gaps

 

2. Scenario Analysis & Stress Testing 

• Design, implement, and review liquidity stress tests and scenario analyses (base, adverse, and severe) 

• Assess the impact of funding withdrawals, market shocks, and portfolio stress 

• Recommend contingency funding actions and risk mitigation strategies 

• Present stress-testing outcomes and recommendations to ALCO and Senior Management

 

3. Funding Strategy, Markets & Execution 

• Develop and execute funding strategies across bank borrowings, Commercial Paper (CP), REPOs, and alternative funding structures 

• Demonstrate a strong understanding of money market instruments and derivative products used for funding and risk management 

• Monitor market conditions, pricing trends, investor appetite, and rollover risks 

• Optimize cost of funds within approved liquidity and risk limits

 

4. Commercial Paper (CP) & Capital Markets 

• Support the structuring, issuance, and management of Commercial Paper programmes 

• Liaise with issuing houses, trustees, rating agencies, and investors 

• Monitor CP maturity profiles and refinancing risks 

• Ensure compliance with regulatory, documentation, and disclosure requirements

 

5. Banking & Counterparty Relationship Management 

• Build and maintain strong relationships with deposit money banks, financial institutions, and market counterparties 

• Negotiate funding lines, pricing, covenants, and terms 

• Manage counterparty concentration and diversification 

• Act as Renmoney’s primary treasury interface with banking partners

 

6. ALCO & Management Reporting 

• Prepare and present comprehensive ALCO packs, including liquidity dashboards, funding analysis, stress-testing results, and market outlook 

• Provide clear, actionable recommendations to ALCO 

• Track and implement ALCO decisions and resolutions

 

7. Risk Management, Controls & Regulatory Compliance 

• Ensure full compliance with CBN regulations, including requirements applicable to Microfinance Banks and finance companies (as relevant) 

• Ensure adherence to internal treasury policies, approval limits, and delegation of authority 

• Maintain strong treasury controls, segregation of duties, and audit trails 

• Support internal audit, external audit, and CBN examinations

 

8. Stakeholder Management (Internal & Regulatory) 

• Collaborate effectively with Finance, Risk, Compliance, Operations, and Business Teams 

• Support engagement with regulators and respond to regulatory inquiries 

• Translate regulatory developments into operational and policy actions

 

9. People Management, Ethics & Leadership 

• Lead, mentor, and develop treasury team members 

• Review and validate treasury analyses and reports 

• Foster a culture of integrity, accountability, professionalism, and compliance

 

Education 

• Bachelor’s degree in Finance, Accounting, Economics, or Business Administration 

• MBA or MSc Finance – added advantage

 

Professional, Regulatory & Mandatory Certifications 

Mandatory / CBN-Recognised 

• Microfinance Certification Programme (MCP) – mandatory or in progress, in line with CBN requirements for Microfinance Bank and regulated financial institution staff

 

Professional Certifications (Strongly Preferred) 

• CIBN (Associate or Full Member) 

• ACI Dealing Certificate or ACT (AMCT / CTP) 

• CFA (Level I or II) or FRM – added advantage 

• Evidence of continuous professional development

 

Analytical & Technical Skills 

• Advanced liquidity modelling and forecasting 

• Strong scenario analysis and stress-testing expertise 

• Deep understanding of money market instruments, CP market, REPOs, and funding derivatives 

• Strong quantitative and financial analysis capability

 

Technical & Computer Skills 

• Advanced Microsoft Excel (financial models, dashboards, sensitivity analysis) 

• Strong PowerPoint skills for ALCO and senior management presentations 

• Experience with treasury management systems and core banking platforms

 

People Skills & Personal Attributes 

• High ethical standards and integrity 

• Strong leadership and mentoring ability 

• Sound judgment and risk awareness 

• Ability to work under pressure in dynamic environments

 

Communication, Presentation & Stakeholder Skills 

• Strong presentation skills at ALCO and the executive level 

• Ability to explain complex treasury and market concepts clearly 

• Strong negotiation and relationship-management capability 

• 7–10 years of experience in Treasury, Financial Markets, or Banking / Non-Bank Financial Institutions 

• Strong exposure to liquidity management, funding structures, CP issuance, and ALCO processes 

• Experience in a microfinance or consumer lending environment is an advantage

 

Key Performance Indicators (KPIs) 

• Liquidity adequacy and stability 

• Funding cost optimization 

• Effectiveness of stress testing and scenario analysis 

• Compliance with regulatory and treasury limits 

• Quality of ALCO reporting and stakeholder engagement