Treasury & Business Development Head (Financial Services/Fintech)

Job Title: Treasury & Business Development Head (Financial Services/Fintech)

Location: Ikoyi, Lagos

Role Overview

The Head of Treasury is a senior executive responsible for managing the company’s liquidity, funding, and investment operations across the money, capital, and equity markets.

The role demands strong market knowledge, structured execution capability, and strategic financial leadership to ensure profitability, risk control, and cost efficiency.

The position is key to sustaining financial stability, optimizing the company’s balance sheet, and generating consistent income through disciplined treasury operations and new business development.

Key Responsibilities

• Fixed Income and Investment Management
  

Drive investments in fixed income, money market, and capital market instruments, ensuring optimal returns, liquidity preservation, and alignment with the company’s risk appetite.

• Borrowings and Investment
  

Generation Source, negotiate, and structure funding and investment inflows from individuals, corporates, and institutions. Ensure competitiveness of investment note offerings and manage maturity profiles to maintain liquidity and profitability.

• Hedging and Risk Protection
  

Design and implement hedging strategies to mitigate losses or income volatility

arising from interest rate shifts, market fluctuations, or equity price movements.

Protect company yields and safeguard investment income streams.

• Equity Investments
  

Identify and manage profitable equity investment opportunities in high-performing,

liquid, and fundamentally strong stocks. Monitor portfolio performance and

execute value-preserving exits when necessary.

• Revenue Strategy and Generation
  

Develop and execute risk-mitigated, yield-driven strategies that guarantee

consistent income from placements, securities, and other market instruments

while maintaining conservative exposure.

• Funding Cost Optimization
  

Manage and continuously stabilize the company’s cost of funds to single-digit levels, through diversified investor sourcing, blended funding models, and cost- efficient borrowing structures.

• Liquidity and Cash Flow Management
  

Ensure adequate liquidity coverage for operational and investment needs.

Forecast and monitor cash positions to anticipate funding shortfalls or excesses.

• Market and Business Intelligence
  

Track macroeconomic trends, monetary policy directions, and market yields to anticipate rate movements and inform investment timing and asset allocation decisions.

• Stakeholder and Banking Relationship Management
  

Build and maintain strong relationships with banks, fund managers, institutional investors, and regulators, securing favorable terms and access to market instruments.

• Strategic Business Development
  

Develop frameworks and proposals for new income-generating ventures, product innovation (e.g., investment notes, structured deposits), and value chain- based partnerships.

• Performance Reporting and Governance
  

Provide periodic reports on treasury performance, yield analysis, liquidity status, and market positions, ensuring transparency and adherence to internal and regulatory standards.

• Leadership and Capacity Building
  

Lead the Treasury and Financial Services team, setting clear performance targets, providing mentorship, and fostering a high-performance, analytical culture.

KPI Area and Performance Metric

Return on Investments: Achieve a minimum 20–25% annualized ROI across treasury

placements, investment notes, and securities.

Funding Generation: Grow borrowings and investment inflows by at least 30% year-on-year through diversified sources.

Cost of Funds: Maintain a single-digit average cost of funds (≤9%) via efficient sourcing and structured pricing.

Hedging Effectiveness: Ensure zero net loss on capital or money market activities through effective hedging and yield matching.

Equity Investments: Attain an average 12–15% annual gain on managed equity portfolios, with zero impairment losses.

Liquidity Management: Maintain a minimum liquidity ratio of 1.2x, ensuring no funding shortfalls exceeding 3 business days.

Compliance and Governance: 100% adherence to internal policies, investment mandates,

and regulatory thresholds.

Business Development: Introduce at least FOUR new financial instruments or partnership products annually.

Reporting and Transparency: Submit timely, accurate, and analytical financial reports to management and the Board.

Team Performance: Achieve full staff KPI alignment and continuous professional development through training and mentorship.