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

1. 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

1. 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

1. 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

1. 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

1. 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

1. 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