Treasury Manager

Job Purpose

• The Treasury Manager leads Nairapoint's treasury function and is accountable for the Company's liquidity, funding, asset-liability management (ALM) and investment of surplus funds.
• The role ensures that loan disbursements and obligations to depositors, investors and lenders are always funded; secures and diversifies funding at the lowest sustainable cost; manages interest rate, liquidity, counterparty and foreign exchange risks within approved limits; and keeps the Company compliant with CBN requirements and internal risk thresholds.
• The Treasury Manager also supports the Asset and Liability Committee (ALCO) with timely analysis and recommendations, and builds a disciplined, high-integrity treasury team.

Duties and Responsibilities
Liquidity & Cash Flow Management:

• Daily liquidity: Own the daily cash position across all operating, collection, disbursement and settlement accounts, and ensure funds are available for loan disbursements, repayments, investor payouts and operating expenses without delay.
• Forecasting: Produce and continuously refine daily, weekly and rolling 13-week cash-flow forecasts using disbursement pipelines, collections, maturities and seasonality, and escalate projected shortfalls early.
• Buffers and contingency. Maintain statutory and operational liquidity buffers in line with CBN requirements and approved internal thresholds; design, test and update the Contingency Funding Plan.
• Cash optimisation: Optimise balances across banks and wallets, minimise idle cash and overdraft or float costs, and manage bank accounts, mandates and signatories with proper dual authorisation.

Funding Strategy & Deposit / Investor Mobilisation:

• Funding plan: Develop and execute the annual and quarterly funding plan aligned with the Company's growth and loan-book targets, diversifying across deposits, investor notes, bank lines and other sources to avoid concentration.
• Mobilisation: Lead corporate, institutional and high-net-worth individual (HNWI) deposit and investor mobilisation, working with Growth/Marketing and Operations to deliver agreed targets.
• Product pricing: Recommend pricing, tenor and structure of Fixed Deposits, Target Savings, Notes and similar products to achieve the lowest sustainable cost of funds while remaining competitive; present pricing to ALCO for approval.
• Counterparty relationships: Build and manage relationships with commercial banks, financial institutions, money market counterparties, lenders and development finance institutions; negotiate facilities, terms and lines, and monitor covenants.

Asset-Liability Management (ALM) & Investments:

• ALM monitoring: Monitor maturity gaps, asset-liability mismatches, interest rate sensitivity and funding concentration, and recommend corrective actions to keep the balance sheet stable.
• Investment execution: Invest surplus funds in Treasury Bills, government securities, money market instruments and placements, within approved policy, limits and tenor guidelines, balancing safety, liquidity and yield.
• Spread management: Work with Finance and Credit Risk to track net interest margin, cost of funds and yield on the loan book, and advise on pricing and product decisions.
• ALCO support: Prepare ALCO papers, yield schedules, interest rate analysis and funding recommendations; follow up and report on the implementation of ALCO decisions.

Treasury Risk Management & Controls:

• Risk limits: Identify, measure and mitigate liquidity, interest rate, counterparty, concentration and foreign exchange risks; propose and monitor limits for counterparties, instruments and exposures, and report any breach promptly.
• Stress testing: Run periodic liquidity and interest-rate stress tests and scenario analyses, and escalate results and mitigation plans to ALCO and Executive Management.
• Controls: Enforce segregation of duties, dual authorisation, deal-ticket and confirmation discipline, and timely settlement; ensure treasury transactions are fully documented and traceable.
• Reconciliation: Ensure daily reconciliation of treasury transactions, yield accruals and settlement activity with Finance and Operations, and resolve breaks and exceptions within defined timelines.

Regulatory Compliance, Governance & Reporting:

• Regulatory compliance: Ensure complete compliance with CBN and NIBSS requirements on liquidity, capital adequacy, funding and reporting, and prepare accurate, timely regulatory returns in collaboration with Finance and Compliance.
• AML and source of funds: Work with Compliance & AML to apply KYC and source-of-funds checks on institutional and individual investors and counterparties before accepting funds.
• Data protection: Protect investor, counterparty and customer data in line with the Nigeria Data Protection Act (NDPA 2023) and the Company's data protection policy.
• Audit and policy: Support internal and external audits, maintain the Treasury Policy and standard operating procedures, and ensure all treasury activity complies with Company policy and the Staff Code of Conduct.

Management Reporting & Business Partnership:

• Management reporting: Deliver a daily liquidity report, weekly funding and investment dashboard and monthly treasury and ALCO pack covering liquidity, funding mix, cost of funds, yields, counterparty exposure and risk indicators.
• Business partnering: Advise the Head, Finance & Treasury, Executive Management, Credit Risk, Product and Growth on funding capacity, pricing and the treasury impact of new products, campaigns and growth plans.
• Planning input: Contribute funding, interest-cost and treasury-income inputs to budgets, forecasts and business cases.

Team Leadership & Process Improvement:

• People leadership: Lead, coach and develop the Treasury Officer(s) and analysts; allocate work, set KRAs and KPIs, conduct performance appraisals, and build succession and cross-coverage within the team.
• Automation: Drive automation of cash positioning, bank connectivity, reconciliations and reporting in collaboration with Technology and Finance, to improve speed, accuracy and control.
• Continuity and culture: Maintain treasury business continuity arrangements and uphold Nairapoint's values (Speed, Reliability, Transparency, Innovation and People-Centered), setting a high standard of integrity and accountability.

Person Specifications
General Education:

• Minimum of a Bachelor's Degree in Finance, Accounting, Economics, Banking, Statistics, Mathematics or a related quantitative discipline.

Professional Qualification:

• At least one recognised professional certification is strongly preferred (e.g., ICAN, ACCA, CFA, or ACI Dealing Certificate / ACI Treasury).
• A Master's degree (MSc Finance, MBA) is an added advantage.

Experience:

• Minimum of 7 years of progressive experience in treasury management, ALM, money market operations or funding within a bank, finance company or other regulated financial institution, including at least 2 years in a supervisory or managerial role.
• Proven track record managing daily liquidity, cash-flow forecasting, deposit/investor mobilisation and bank and money-market relationships.
• In-depth knowledge of money market instruments, Treasury Bills and government securities, yield and interest computations, ALM frameworks, liquidity-risk and contingency funding planning, and CBN regulations applicable to finance companies.
• Strong understanding of Nigerian macroeconomic indicators, fixed-income markets and interest rate and FX dynamics.
• Experience in a fintech, digital lending or microfinance environment is an added advantage.

Key Competencies:

• Exceptional financial analysis, quantitative modelling and liquidity forecasting skills; advanced Excel and comfort with treasury and banking platforms.
• Strong negotiation and relationship management skills for pricing deposits, placements, facilities and institutional funds.
• Sound judgement and the ability to decide quickly and accurately under time pressure.
• Meticulous accuracy and control discipline in financial calculations, settlements and reconciliations.
• Uncompromising integrity and ethical behaviour in managing company and investor funds; strict adherence to conflict-of-interest and confidentiality standards.
• Strong leadership, coaching and team-management ability.
• Excellent reporting, presentation and stakeholder engagement skills, including the ability to present clearly to ALCO and Executive Management.
• Strong regulatory, compliance and risk awareness; alignment with Nairapoint's values.

Application Closing Date
12th October, 2026.

How to Apply
Interested and qualified candidates should send their CV to: using the Job Title as the subject of the email.

Share this job: