Head of Treasury

About The Company About Cleo

At Cleo, we're not just building another fintech app. We're embarking on a mission to fundamentally change humanity's relationship with money. Imagine a world where everyone, regardless of background or income, has access to a hyper-intelligent financial advisor in their pocket. That's the future we're creating.

Cleo is a rare success story: a profitable, fast-growing unicorn with over $380 million in ARR and growing over 2x year-over-year. This isn't just a job; it's a chance to join a team of brilliant, driven individuals who are passionate about making a real difference. We have an exceptionally high bar for talent, seeking individuals who are not only at the top of their field but also embody our culture of collaboration and positive impact.

If you’re driven by complex challenges that push your expertise, the chance to shape something truly transformative, and the potential to share in Cleo’s success as we scale, while growing alongside a company that’s scaling fast, this might be your perfect fit.

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As Cleo has grown, so has the scale and complexity of the cash moving through the business. Reporting to the VP of Finance, you will own Cleo’s treasury strategy and operations across liquidity management, cash forecasting, banking infrastructure, funding operations and controls. Today, these responsibilities sit across FP&A, Finance and Capital Markets. You will bring them together into a scalable treasury function built for a rapidly growing consumer lending platform operating across multiple facilities and geographies.

This is a leadership role with real operational ownership. You will set the strategy and strengthen the systems, controls and operating rhythms required for scale, while remaining close enough to the detail to understand how cash moves and step in when needed. You will partner closely with Finance, Capital Markets, Engineering, Data Science and Banking partners. Capital Markets will continue to lead facility strategy, structuring and financing relationships;
Treasury will own the liquidity planning, cash execution and operational infrastructure that allow those facilities to run effectively. This is an opportunity to shape a critical function at one of the fastest-growing, most AI-native fintechs.

• 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.

• 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.

• 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.

• 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.

• 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…