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

Veridion Advisory Partners - Our client is a licensed fintech-driven microfinance bank positioned to redefine digital financial inclusion through technology-enabled lending, payments, and savings solutions. As a startup institution entering a critical growth phase, the organization is building a scalable digital banking model designed to serve individuals, SMEs, and underserved markets through secure, data-driven financial services aligned with CBN regulatory standards.

They are recruiting to fill the position below:

Job Title: Senior Treasury Officer (Banking)

Location: Lagos
Employment Type: Full-time

Job Description

• The role is responsible for managing and building the Bank’s treasury operations, liquidity management, funding structure, investment activities, and financial control processes within a fintech-driven digital microfinance bank.
• The successful candidate will play a critical role in establishing the treasury framework, cash management structure, liquidity planning processes, investment monitoring systems, and treasury control environment from inception.
• This role requires a highly analytical and commercially aware treasury professional with strong expertise in liquidity management, fixed deposit mobilization, interbank placements, cash flow forecasting, balance sheet management, and financial risk monitoring.
• The ideal candidate must be capable of creating treasury structures, implementing controls, developing funding optimization strategies, supporting deposit growth initiatives, and ensuring regulatory compliance within a startup banking environment.
• The role requires a self-driven professional who can provide direction, establish systems independently, and support the Bank’s financial stability, profitability, and operational efficiency from the ground up.

Responsibilities
Treasury Operations & Liquidity Management:

• Manage the Bank’s daily treasury operations and liquidity position.
• Monitor cash flow movements and ensure optimal liquidity levels across all banking operations.
• Develop and implement liquidity management frameworks and cash positioning structures.
• Maintain adequate funding levels to support operational and lending activities.
• Monitor liquidity ratios and ensure compliance with regulatory requirements.
• Prepare daily, weekly, and monthly liquidity and treasury reports.

Deposit Mobilization & Funding Strategy:

• Support the development and execution of deposit mobilization strategies.
• Drive fixed deposit growth initiatives and liability generation campaigns.
• Develop competitive deposit and investment product structures.
• Monitor deposit mix, funding costs, and liquidity stability.
• Support relationship management for high-value deposit customers and institutional funding partners.
• Identify opportunities to optimize the Bank’s funding base and cost of funds.

Investment & Interbank Management:

• Manage interbank placements and short-term investment activities.
• Monitor treasury investment opportunities in line with approved risk limits and policies.
• Analyze interest rate trends, market conditions, and investment opportunities.
• Support investment portfolio management and yield optimization.
• Ensure proper monitoring and reconciliation of treasury placements and investment transactions.

Financial Control & Treasury Reconciliation:

• Perform treasury-related reconciliations and financial control checks.
• Monitor settlement activities and treasury transaction accuracy.
• Ensure proper maker-checker controls across treasury operations.
• Investigate and resolve treasury transaction exceptions and discrepancies.
• Maintain accurate treasury records, schedules, and supporting documentation.

Treasury Policy, Processes & Controls:

• Assist in developing treasury policies, procedures, and operational frameworks.
• Establish treasury workflows, controls, and reporting structures from inception.
• Ensure compliance with internal treasury governance standards.
• Implement controls to minimize liquidity, operational, and financial risks.
• Support audit and regulatory review processes relating to treasury activities.

Cash Flow Forecasting & Financial Planning:

• Prepare cash flow forecasts and liquidity projections.
• Monitor inflows, outflows, and funding requirements across the Bank.
• Support balance sheet planning and financial optimization initiatives.
• Analyze treasury performance metrics and funding efficiency.
• Provide financial insights to support strategic decision-making.

Regulatory Compliance & Reporting:

• Ensure compliance with CBN treasury and liquidity regulations.
• Support preparation of regulatory treasury reports and statutory submissions.
• Maintain proper documentation for treasury operations and regulatory reviews.
• Monitor compliance with treasury operational limits and financial policies.

Technology & Treasury Process Automation:

• Collaborate with Technology and Operations teams to automate treasury workflows.
• Support integration of treasury processes within the Bank’s core banking system.
• Assist in implementing digital treasury monitoring and reporting tools.
• Drive process improvements and operational efficiency within treasury operations.

Department Setup & Institutional Development:

• Support the establishment of the Bank’s treasury structure from the ground up.
• Assist in developing treasury reporting templates, dashboards, and operational frameworks.
• Contribute to the design of scalable treasury processes suitable for a digital banking environment.
• Support the development of a disciplined treasury and financial control culture.

Requirements
Education:

• Bachelor’s Degree in Finance, Accounting, Economics, Banking, Business Administration, or related discipline.
• MBA or postgraduate qualification is an added advantage.
• Relevant professional certifications including ACA, ACCA,ACT, ACIB, or related treasury and finance certifications will be an added advantage.

Experience:

• 5–8 years experience in treasury, finance, banking operations, or financial control within banking, fintech, or financial services environments.
• Strong experience in liquidity management, treasury operations, fixed deposit management, reconciliations, cash flow forecasting, and treasury reporting.
• Good understanding of CBN treasury regulations, liquidity requirements, and financial control standards.
• Experience in digital banking, fintech, or microfinance banking environments is highly desirable.
• Experience supporting treasury structure development, process setup, or operational framework implementation is an added advantage.

Skills:

• Treasury Operations Management
• Liquidity & Cash Flow Management
• Fixed Deposit & Liability Management
• Interbank Placements & Investments
• Financial Control & Reconciliation
• Treasury Reporting & Analysis
• Cash Flow Forecasting
• Regulatory Compliance
• Financial Risk Monitoring
• Balance Sheet Management
• Data Analysis & Financial Modelling
• Digital Banking Operations
• Core Banking Systems Knowledge
• Process Development & Optimization
• Strong Analytical & Problem-Solving Skills

Other Requirements:

• Strong commercial awareness and financial discipline.
• High attention to detail, accuracy, and confidentiality.
• Ability to work independently and build structures proactively.
• Strong organizational, analytical, and reporting skills.
• Excellent communication and stakeholder management abilities.
• Ability to thrive in a fast-paced startup environment.
• Strong understanding of treasury operations within a digital banking ecosystem.

Remuneration

• Salary: N300,000 - N500,000 / Month.
• Performance-based incentives linked to financial performance and institutional growth.

Application Closing Date
1st June, 2026.

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