1. Treasury Strategy & Balance Sheet Management

• Develop and implement the Group Treasury and ALM strategy

• Optimise the Group balance sheet, including asset mix, liability structure, and funding profile

• Align Treasury strategy with overall Group financial and growth objectives

2. Asset & Liability Management (ALM)

• Lead the Group ALM framework across all subsidiaries

• Manage interest rate risk in the banking book

• Oversee structural balance sheet positioning, including duration & repricing gaps

• Support pricing frameworks for assets and liabilities in collaboration with Finance and Business units

3. Liquidity & Cash Flow Management

• Ensure effective management of Group-wide liquidity and cash flows

• Oversee liquidity buffers, stress testing, and contingency funding plans

• Monitor intra-group liquidity and optimise utilisation of funds across markets

• Ensure compliance with liquidity ratios and regulatory requirements (e.g. LCR, NSFR where applicable)

4. Funding & Capital Markets

• Develop and execute Group funding strategy, including:

• Wholesale funding
• Interbank funding
• Capital market issuances (where applicable)

• Manage relationships with funding counterparties and investors

• Support optimisation of cost of funds across the Group

5. Treasury Risk Management

• Oversee management of:

• Interest rate risk
• Liquidity risk
• Foreign exchange risk

• Ensure robust risk measurement frameworks, limits, and controls are in place

• Work closely with Risk to align Treasury activities with Group risk appetite

6. Group Coordination & Governance

• Establish consistent Treasury policies, frameworks, and limits across all subsidiaries

• Chair or contribute to Group ALCO (Asset and Liability Committee)

• Provide oversight and guidance to country Treasury teams

• Ensure strong governance, controls, and regulatory compliance

7. Performance Monitoring & Reporting

• Monitor key Treasury metrics including:

• Net interest margin contribution
• Cost of funds
• Liquidity ratios
• Balance sheet efficiency

• Develop dashboards and reporting to support decision-making at Group level

8. Stakeholder Engagement

Partner with:

• Finance (balance sheet planning, capital management)

• Risk (ALM and liquidity risk oversight)

• Corporate Banking (funding and pricing alignment)

Engage with regulators, auditors, and external stakeholders on Treasury matters

• 12–15 years’ banking experience

• Extensive experience in:

• Treasury / ALM
• Liquidity and funding management
• Balance sheet optimisation

• Experience in multi-country or regional banking environments preferred

• Degree in Finance, Economics, Accounting, or related field
• Professional qualification (e.g. CFA, ACT, FRM)