Group Treasury Manager/Head

About the RoleMal is seeking a Group Treasury Manager/Head to join our pioneering Sharia-compliant neobank based in Dubai. As the world's first ethical digital bank, we are committed to delivering modern, AI-powered financial services that align with Islamic principles. Our mission is to empower Muslims and underserved communities globally through innovative, halal banking products, investing, and financial wellness solutions.As Group Treasury Manager/Head you will play a crucial leadership role in overseeing and optimizing Mal’s treasury operations, liquidity management, and risk strategies. You will help shape the future of ethical banking by ensuring the organization’s financial resources are managed prudently and in strict accordance with Sharia guidelines, supporting business growth and operational excellence.Key Responsibilities:Lead the end-to-end management of FX products, including spot, forwards, swaps and precious metals. Define pricing strategies, client segmentation models, and revenue optimization frameworks across markets.Establish and maintain robust pricing governance, including FX margin matrices, after-hours pricing frameworks, and adherence to regulatory standards.Design, implement, and manage group-wide treasury policies and processes in line with Sharia principlesOversee cash flow, liquidity, and funding requirements across all business units and jurisdictionsDevelop and monitor short- and long-term cash flow forecasts, optimizing working capitalManage banking relationships and support the negotiation of financing facilitiesLead the identification and mitigation of financial risks, including currency, interest rate, and counterparty risksEnsure regulatory compliance with UAE Central Bank and international standardsCollaborate with Finance, Product, and Technology teams to support new product launches and group initiativesMust-Have Qualifications:Proven experience in treasury management, financial risk, or corporate finance, ideally in banking, fintech, or financial servicesDeep understanding of liquidity management, cash flow forecasting, and capital allocationStrong knowledge of financial regulations and treasury best practicesFamiliarity with Sharia-compliant banking or ethical finance principlesDemonstrated ability to build and lead treasury operations in a dynamic, scaling organizationExcellent analytical, communication, and stakeholder management skillsProficiency with treasury management systems and financial modeling toolNice to Have:Experience in a startup or high-growth fintech environmentKnowledge of digital assets, crypto, or tokenized productsBackground in Islamic banking or finance certifications (e.g., CIFE, AAOIFI)Advanced degree in finance, economics, or related fieldFluency in Arabic and/or other languages relevant to Mal’s marketsFirst 60 Days:Assess and document current state of treasury operations, policies, and controlsDevelop and present a roadmap for treasury function development aligned with Mal’s growth strategyEstablish cash flow forecasting and reporting frameworkInitiate key banking relationships and review current financing arrangementsIdentify immediate liquidity risks and propose mitigation strategies