Senior Manager: Funding and Liquidity Risk Management - African Region

Empowering Africa’s tomorrow, together…one story at a time.

With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.

Senior Manager of Funding and Liquidity Risk Management (FLM) is a critical role within the Africa Regions (AR) Treasury team, reporting to the AR Treasurer, and is responsible for FLM across 10 subsidiaries in 9 markets across Africa. The incumbent will lead the Funding & Liquidity Risk Management function, ensuring the AR banks maintain a robust and resilient liquidity profile across business cycles and stress scenarios.

Responsibilities include supporting the execution of the Africa Regions Balance sheet and Funding and Liquidity risk management strategy by overseeing the FLM teams in each Country, supporting Country ALCOs on FLM, ensuring compliance with regulatory and board liquidity risk limits, and collaborating closely with finance, treasury and risk teams at the centre and in-country. The Senior Manager of FLM will also work with the AR BA610 Regulatory reporting lead for Liquidity risk, ensuring accurate and timely reporting to internal governance forums, Country ALCOs and regulators, and will be responsible for assessing liquidity risk and adequacy at the legal entity level and delivering robust and effective management information reporting to the AR Treasury Committee and in‑country ALCO.

• Provide independent oversight and review of Treasury’s funding strategy, balance‑sheet shape, issuance plans, FTP design, and funding raising activities in countries.
• Offer financial leadership, analytical insight, and business partnering that drives effective cost of funding and robust liquidity risk management through stress testing.
• Provide proactive guidance on market conditions and impacts on the liquidity strength of the AR banks, communicating timely to the AR Treasurer and Country ALCOs.
• Enable disciplined financial decision‑making through insight‑led business cases, pricing recommendations, and performance analysis.

• Own independent measurement and monitoring of LCR, NSFR, survival horizons, stress‑liquidity coverage, cash‑flow mismatches, liquidity buffers and concentration risk.
• Ensure compliance with board and regulatory limits; proactively address potential risks to compliance and guide Country Treasury and Business teams on required actions.
• Deliver timely, accurate MI and regulatory reporting to ALCO, Risk Committees, and the Board Risk Committee; emphasize escalation of breaches and emerging risks.
• Lead the development and delivery of effective management information for AR Treasury, providing insight into balance‑sheet movements, PnL performance, and key risks for the AR Business Units.
• Support in‑country ALCOs with management information and guidance on capital management options to improve entity, BU, and group returns.

• Lead review with Country FLM leads on funding positions and plans, providing liquidity risk views and performance opportunities.
• Support delivery of BU‑level funding plans through the Group’s strategic planning cycles (MTP, STP, RAF), ensuring plans are effective, compliant and aligned to Treasury balance sheets and PnL.
• Promote a culture of accountability by monitoring and reporting funding and liquidity risk allocation against business‑committed plans.
• Design and run idiosyncratic, market‑wide, and combined stress tests; calibrate name‑specific and systemic scenarios; translate macro assumptions to liquidity drivers.
• Review Country Contingency Funding Plan (CFP) and Recovery & Resolution (RRP) / solvent wind‑down liquidity playbooks; periodically test triggers and drill execution readiness.
• Partner with Capital and FTP teams on balance‑sheet strategy, including MREL/TLAC needs (if applicable), issue windows, and investor diversification.