Head of Treasury

This is an opportunity to shape a critical function at one of the fastest-growing, most AI-native fintechs.

Key responsibilities for this role include:

Liquidity strategy and forecasting

• Own Cleo’s group-wide liquidity strategy and build short, medium, and long-term forecasts across entities, currencies and funding sources.
• Give leadership and all cross-functional teams a clear view of cash, liquidity headroom and funding capacity, with early visibility of emerging constraints.
• Translate forecasts into recommendations on capital allocation, liquidity buffers and future funding requirements.

Treasury & Funding Operations

• Own daily cash positioning, cash movements, and support finance with payment approvals and reconciliation, across entities and currencies.
• Run the treasury operations supporting Cleo’s lending facilities, including drawdowns, repayments, settlements and collateral movements.
• Partner with Capital Markets to ensure facilities operate efficiently and liquidity is deployed effectively.

Banking infrastructure & controls

• Partner with Core Finance and Finance Operations to strengthen cash controls, reconciliations and audit readiness.
• Establish treasury policies and governance that support scale and public-company readiness.
• Support Cleo’s banking infrastructure and treasury banking relationships.

Systems, data & automation

• Define the roadmap for treasury systems, data and automation, reducing reliance on manual processes and fragmented spreadsheets.
• Partner with Engineering and Data Science to improve the data and systems underpinning cash forecasting and treasury operations.
• Build clear reporting and dashboards across liquidity, funding capacity and facility utilisation.

Operating rhythm & team

• Establish operating rhythms across FP&A, Accounting, Capital Markets, Engineering, and Operations to ensure cash movements and forecasts are coordinated, transparent, and auditable.
• Scope and hire your first Treasury Operations team member, then grow the function as the business does.

FX hedging & FX strategy

• Own Cleo’s FX strategy - identify, measure and manage currency exposure across a multi-currency, multi-geography business.
• Run and improve the hedging programme: set the FX risk policy, select the right instruments, and execute hedges to protect margin and cash flows.
• Partner with Finance and Capital Markets on the FX impact of funding, intercompany flows and cross-border cash movement, and report exposure and hedge effectiveness to leadership.

What We're Looking For 🕵️

You've built treasury before. You've stood up or materially transformed a treasury function - not just run one that already existed - in fintech, consumer lending, financial services, or another highly regulated environment.

• Consumer-lending fluency. You understand the cash flow dynamics of a lending book: warehouse facilities, borrowing bases, receivables financing, settlement flows, and bank partnerships - and you're comfortable supporting multiple concurrent facilities alongside a Capital Markets team.
• Hands-on and strategic. You enjoy building from first principles - the operating model, the controls, the systems - and you'll happily approve a wire and design the policy that governs it. You'll be the de-facto lead on how cash moves across the business.
• Forecasting and analytical rigour. You've built forecasting models and frameworks that our leaders actually make decisions on.
• Cross-functional influence. You can bring Finance, Accounting, Capital Markets, Engineering, Product, and Operations along with you, and explain complex treasury concepts to an exec audience.
• Bias to action, zero ego. This role exists because complexity is outrunning capacity; you'll ship a better setup quickly.

Nice-to-haves

• Experience taking a company through IPO readiness prep, or operating within a public-company treasury organisation.
• Experience implementing or optimising a Treasury Management System (TMS) and automation tooling.
• CPA, CFA, or CTP a plus.

What we offer

We offer benefits package built to support you in and out of work. Benefits vary by country 🌍 and include meaningful equity, comprehensive health, dental and vision insurance, mental health support, a paid one-month sabbatical after four years, a learning and development platform, pension or retirement contributions, and location-specific leave entitlements.

For the full breakdown on what's available in your location, visit our Candidate Hub 👈

What Matters

Cleo's mission is to change the world's relationship with money. We can't do that without building a brilliant, genuinely diverse team - and making sure our hiring process gives everyone a fair shot, running a fair and transparent recruitment process in which every candidate is considered on their merits.

We're glad to make reasonable adjustments at any stage of the process. If there's anything we can do to support you in showing us your best, please let your recruiter or one of the team know.

We may use AI-assisted tools during the recruitment process to take support the team in different ways like taking notes or referring back to conversations. They do not replace the team and all applications are reviewed by a Cleo employee thoroughly!