Amartha is a technology company focused on creating shared prosperity by developing digital financial solutions for the grassroots economy. Founded in 2010 as a microfinance institution, Amartha connects rural, women-led micro-enterprises with affordable capital. Amartha is expanding as a tech company, building a microfinance ecosystem that connects to the growing digital economy through capital, investment, and payment services. By boosting the competitiveness of micro and small entrepreneurs, Amartha empowers women-led MSMEs, creates jobs, and fosters inclusive economic growth.
About The Role
As the Investment Treasury Lead, you’ll play a critical role in managing Amartha’s foreign funding and liquidity strategy. You’ll lead complex treasury operations, oversee partnerships with foreign lenders, and ensure efficient capital deployment across our expanding digital microfinance ecosystem. This is a high-impact, cross-functional role that reports to the AVP Capital Markets and works closely with Finance, Legal, and external banking institutions.
Your experience in banking or treasury, particularly in multinational settings, will be key in structuring optimal funding channels, managing FX risks, and ensuring our capital strategy aligns with our mission to scale inclusive finance.
Responsibilities
- Lead and oversee daily liquidity management, disbursement planning, and asset positioning.
- Review and approve large-scale fund disbursements, ensuring alignment with broader treasury and funding strategy.
- Collaborate with the Funding team to optimize cash allocation across business units and lending portfolios.
- Drive the onboarding and relationship management of foreign lenders, ensuring operational readiness and regulatory compliance.
- Evaluate, onboard, and maintain partnerships with hedging counterparties (banks and financial institutions).
- Design and implement a comprehensive FX hedging strategy to manage currency exposure.
- Ensure timely and accurate repayments (principal and interest) to all foreign lenders.
- Monitor foreign funding portfolio performance, including NPL trends, and deliver risk-based insights to Finance leadership.
- Build and maintain strong communication with both internal stakeholders (Legal, Corporate Finance, Risk) and external partners (banks, investors, regulators).
- Contribute to strategic funding initiatives and help position Amartha for long-term capital scalability.
Requirements
- Minimum 7 years of experience in banking, treasury, or capital markets.
- Proven exposure to multinational banks or global financial institutions.
- Hands-on experience with liquidity management, hedging instruments, and cross-border fund flows.
- Deep understanding of treasury operations, FX risk, and funding compliance requirements.
- Strong interpersonal and stakeholder management skills — able to influence and align across teams.
- High attention to detail, with comfort working in fast-paced, dynamic environments.
- Proficient in Excel, PowerPoint, and treasury or portfolio management systems.
At Amartha, we are dedicated to creating a workplace that celebrates diversity, ensures equity, and fosters inclusion. We believe that diverse perspectives—shaped by factors such as gender, age, race, ethnicity, education, culture, and life experiences—drive innovation and growth.
We actively welcome individuals from all backgrounds to join us in building an environment where everyone feels respected, valued, and empowered. Our commitment is to provide equal opportunities and foster a sense of belonging that enables our employees to thrive and make meaningful contributions.
Skills Required
- Minimum 7 years of experience in banking, treasury, or capital markets
- Experience with multinational banks or global financial institutions
- Hands-on experience with liquidity management, hedging instruments, and cross-border fund flows
- Strong understanding of treasury operations, FX risk, and funding compliance requirements
- Strong interpersonal and stakeholder management skills
- High attention to detail and ability to work in fast-paced, dynamic environments
- Proficiency in Excel, PowerPoint, and treasury or portfolio management systems
What We Do
We are a prosperity platform company to harmoniously build a strong economy from the grassroots in order to realize the grassroots communities of technology equity, inclusiveness and sustainability. We believe prosperity platform is the right solution to deliver high quality digital financial services and to bridge the gap that brings shared prosperity to the World. Amartha’s Team are highly compassionate people who are impatient to deliver their impacts to alleviate the sufferings of others. Working at Amartha means you are part of dynamic and compassionate team who make impact on daily basis. It means you sign up for a high-paced environment where everyone is taking part in achieving success and make other people happier. It also means you wake up every single day energized, and excited of what’s next to be done to help Indonesia and the world a more equitable and prosperous place to live for everyone. It means you feel special, as whatever you do with Amartha makes a dent in the universe, healing the world a day at a time. Working at Amartha means you are ready to help and alleviate each other, contribute your best with empathy and passion. As we go long miles, you need a team to achieve your success. Working at Amartha means you have made a conscious choice to embark on a journey to creating a less painful world. A journey that makes you feel good, that you have contributed to a meaningful work every single day. Join our impact mission! Check our career page now👉🏼 https://careers.amartha.com/
