Head of Treasury — Key ResponsibilitiesThe Head of Treasury will take ownership of Cardaq’s treasury framework and ensure that the Group maintains appropriate liquidity, cash visibility, banking infrastructure and financial controls across its international operations.Core ResponsibilitiesLead and oversee Cardaq’s treasury function across the Group.Maintain clear daily visibility of cash positions, liquidity and funding requirements across entities, currencies and banking partners.Develop and maintain short-, medium- and long-term cash-flow and liquidity forecasts.Ensure sufficient liquidity is maintained to meet operational, settlement and financial obligations.Oversee multi-currency cash management, including GBP, EUR, USD and other currencies as the Group expands.Manage and optimise FX exposures, conversion requirements and associated costs.Develop treasury policies, procedures, limits and appropriate internal controls.Provide regular treasury reporting and recommendations to the CEO, Head of Finance and senior management.Banking & Financial InstitutionsManage treasury relationships with Cardaq’s banks, payment institutions and other financial partners.Oversee bank account structures and ensure they remain appropriate for the Group’s operational requirements.Support the establishment of new banking and treasury relationships as Cardaq enters additional jurisdictions.Review banking, FX and transaction fees and identify opportunities for commercial optimisation.Coordinate with banking partners on liquidity, payment execution, account structures and operational requirements.Maintain appropriate controls around payment initiation, approvals and access to treasury systems.Payments & SettlementGiven Cardaq’s position within the payments industry, the Head of Treasury will work closely with Finance, Payments and Operations to oversee:Merchant settlement funding requirements.Card-scheme and processing-related cash movements.Settlement accounts and reconciliation processes.Timing differences between incoming and outgoing settlement flows.Merchant reserves and other payment-related liquidity requirements.Cross-border payment flows.Funding requirements arising from refunds, chargebacks and other payment obligations.Operational liquidity across payment and banking partners.The objective is to ensure Cardaq can meet its financial and settlement obligations accurately, efficiently and on time.Liquidity & Financial RiskEstablish appropriate liquidity thresholds and early-warning indicators.Identify potential liquidity concentrations and dependencies on individual banks, currencies or counterparties.Monitor FX, counterparty, concentration and settlement risk from a treasury perspective.Conduct liquidity stress testing and scenario analysis.Develop contingency funding and liquidity arrangements where appropriate.Escalate material treasury or liquidity risks promptly to senior management.Support Finance and Risk with treasury-related elements of the Group’s wider risk-management framework.Treasury Controls & GovernanceMaintain strong segregation of duties and approval controls for treasury activities.Establish appropriate payment authorisation and treasury approval matrices.Ensure accurate reconciliation between treasury records, bank accounts and financial systems.Support internal and external audits relating to treasury and cash management.Maintain appropriate documentation and evidence supporting treasury decisions and transactions.Work closely with Finance, Risk, Compliance and Operations to ensure treasury processes meet applicable regulatory and governance expectations.Strategic ResponsibilitiesThe Head of Treasury will also act as a strategic adviser to senior management on treasury matters.This will include supporting:International expansion and establishment of new entities.Selection of banking and payment partners.New currencies and settlement arrangements.New payment products and commercial propositions.Treasury technology and automation.Group cash-management structures.Capital and liquidity planning.Evaluation of treasury costs and financial efficiency.Treasury Development & AutomationA particularly important part of the role will be helping Cardaq move towards a more automated, data-driven treasury environment.The Head of Treasury should identify opportunities to improve:Cash visibility → forecasting → reconciliation → payment approvals → FX management → liquidity monitoring → management reporting.The objective is not simply to operate the existing treasury function, but to help build a scalable treasury infrastructure capable of supporting Cardaq’s international growth.Part-Time StructureAs this is a senior part-time position, we are looking for someone capable of operating independently and prioritising effectively.The role is therefore particularly suited to an experienced treasury professional who can provide executive-level expertise and oversight without requiring a traditional full-time position.The successful candidate will be expected to remain sufficiently available for critical treasury decisions, banking matters and liquidity issues when required.