Treasury & Credit Risk Manager
CONFIDENTIAL - 1 positionIdeal Candidate
What We Are Looking For:
Education & Experience
Education & Experience
- Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or a related field.
- Minimum 5 years of experience in Treasury, Corporate Finance, Banking, Credit Risk, or Financial Management.
- At least 3 years of people management experience.
- Proven experience managing banking relationships, financing facilities, and credit risk portfolios.
- Experience working with credit insurance companies and financial institutions.
- FMCG, distribution, retail, or multinational environment experience is considered a strong advantage.
- Strong understanding of treasury operations, cash flow management, and liquidity planning.
- Solid knowledge of credit risk assessment and risk mitigation practices.
- Experience with loan agreements, financial covenants, factoring, and bank guarantees.
- Knowledge of treasury hedging instruments and derivatives represents an advantage.
- Advanced financial analysis and reporting skills.
- Advanced Excel proficiency; experience with ERP and Treasury Management Systems is preferred.
- Fluent English (written and spoken).
- Strategic thinking with strong business acumen.
- Excellent analytical and problem-solving skills.
- Strong negotiation and stakeholder management abilities.
- Leadership and team development capabilities.
- High attention to detail and commitment to compliance.
- Ability to perform effectively in a dynamic, fast-paced environment.
- Strong communication and influencing skills.
Job Description
Key Responsibilities:
Treasury Management
Treasury Management
- Lead and oversee all treasury activities across the organization.
- Prepare and maintain short-, medium-, and long-term cash flow forecasts.
- Monitor company liquidity and optimize cash management processes.
- Manage relationships with banks and financial institutions.
- Oversee loan facilities, drawdowns, repayments, and compliance with financial covenants.
- Analyze and identify financing opportunities, including alternative funding structures and financial instruments.
- Ensure compliance with Group Treasury policies and procedures.
- Monitor treasury costs and coordinate budgeting, forecasting, and reporting activities.
- Define and implement credit risk management policies and procedures.
- Manage customer credit limits and evaluate creditworthiness.
- Develop risk segmentation and mitigation strategies across customer portfolios, business units, and divisions.
- Work closely with credit insurance providers and external risk intelligence agencies.
- Negotiate and coordinate bank guarantees and other credit risk mitigation tools.
- Monitor customer exposure and proactively reduce the risk of bad debt.
- Ensure compliance with the company’s credit policy while supporting commercial growth objectives.
- Ensure the accuracy, completeness, and reconciliation of treasury-related financial information.
- Monitor and reconcile bank, loan, and financing accounts.
- Prepare management reports related to cash operations, liquidity, financing exposure, and credit risk.
- Maintain treasury and credit risk documentation, policies, procedures, and work instructions.
- Support business profitability through cost-efficiency and financial optimization initiatives.
- Lead, coach, motivate, and develop the Treasury and Credit Risk team.
- Set objectives, KPIs, and development plans for direct reports.
- Conduct performance evaluations and support employee growth.
- Ensure adequate resource allocation and operational continuity.
- Participate in company-wide finance projects and strategic initiatives.
- Translate organizational objectives into actionable team and individual goals.
CONFIDENTIAL
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