Head, Liquidity Management

Flutterwave was founded on the principle that every African must be able to participate and thrive in the global economy. To achieve this objective, we have built a trusted payment infrastructure that allows consumers and businesses (African and International) make and receive payments in a convenient borderless manner.

The Role:
The Head, Liquidity Management role will be responsible for overseeing our operational liquidity position across all payment flows, ensuring timely funding, settlement, and execution of customer and partner payments. The role ensures that we can meet all settlement, payout and funding obligations across multiple currencies and jurisdictions, while maintaining strong controls, regulatory compliance, and operational resilience.
The successful candidate will manage daily liquidity forecasting, payment approvals, bank and partner relationships, and ensure strong controls across all cash movements while supporting business growth and new market expansion.

Responsibilities include but are not limited to:

Liquidity & Cash Management

• Monitor and manage daily liquidity positions across all accounts, currencies, and payment corridors.
• Forecast short-, medium-, and long-term liquidity requirements to support acquiring, settlement, and cross-border payment flows.
• Ensure sufficient prefunding of accounts to meet settlement obligations with card schemes, processors, banks, and partners.
• Optimize cash position to minimize funding costs while maintaining operational buffers.

Payments Execution & Controls

• Oversee the initiation, review, and approval of outgoing payments in line with internal approval matrices and control frameworks.
• Ensure timely and accurate settlement of customer funds, merchant payouts, and partner obligations.
• Maintain strong segregation of duties and ensure compliance with internal policies and regulatory expectations.
• Support audits by providing documentation, reconciliations, and evidence of controls.

Reconciliations & Exception Management

• Ensure daily reconciliation of balances between internal systems, bank accounts, and partners.
• Investigate and resolve breaks, delays, or failed payments promptly.
• Work closely with Finance, Risk, and Engineering teams to improve reconciliation automation and accuracy.

Banking & Partner Management

• Manage relationships with banks, partners, and liquidity providers.
• Support onboarding of new bank accounts, payment corridors, currencies, and partners.
• Coordinate partner communications relating to funding, payout schedules, and operational SLAs.

Process Improvement & Scaling

• Document liquidity management processes, payment workflows, and escalation procedures.
• Identify opportunities to improve efficiency, reduce manual processes, and strengthen controls as the business scales.
• Support new product launches and market expansion from a liquidity and settlement readiness perspective.

Stakeholder Collaboration

• Work closely with Finance, Compliance, Risk, Product, and Engineering teams to ensure alignment across payment flows.
• Provide clear reporting and insights on liquidity risks, exposures, and operational performance to senior management.

Required competency and skillset to be a waver:

• Bachelor’s degree with 7-9  years of experience in Treasury/Liquidity Operations/Financial Operations within fintech, payments, or banking.
• Strong understanding of acquiring, settlement cycles, cross-border payments, and multi-currency cash management.
• Hands-on experience managing payment approvals, bank platforms, and operational controls.
• Strong reconciliation, analytical, and problem-solving skills.
• Comfortable operating in a fast-paced, regulated environment.

You’ll love this job if you:

• Have an intellectual curiosity about payments and technology
• Have high aptitude to quickly understand customer use cases and requirements
• Have the ability to drive cross-functional teams from ideation to solution
• Have the ability to manage proactive and reactive tasks effectively
• Are self-driven, self-starter, extremely passionate, goal-getter
• Are passionate about process improvements
• Are comfortable managing relationships within every aspect of the organisation from senior executives to engineers
• Embrace the challenge of managing multiple activities simultaneously
• Are comfortable working in ambiguity and the constant change of life at a startup experiencing hyper growth.
  

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