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