CTOS Digital is a key player in the ASEAN credit reporting landscape, enabling digital credit solutions through strategic investment and innovation. We empower individuals and businesses with the confidence to make sound credit decisions through access to data and insights with greater ease and speed.

ROLE OVERVIEW

This role is responsible for managing the treasury function of the Group, including cash and liquidity management, banking relationships, financing, capital management, foreign exchange risk management, investment of surplus funds, and implementation of treasury policies and controls, in support of the Group’s business and regional growth. This is a hands-on role that combines day-to-day execution of treasury operations with analysis and recommendations to support management decision-making.

KEY RESPONSIBILITIES

Cash and Liquidity Management

· Perform daily cash positioning across the Group and ensure sufficient liquidity to meet operational, financing and investment requirements.

· Prepare and review weekly, monthly and rolling cash flow forecasts, analyse variances against actuals, and highlight key liquidity insights and risks to management.

· Plan and manage intercompany funding and cross-border fund flows to optimise cash utilisation within the Group.

· Coordinate with the Finance Operations team, which manages payments and collections, to ensure sufficient funds are available for scheduled payments and that payment and collection information is reflected in cash positioning and forecasts.

· Provide input to the Finance Operations team on payment and collection channels from a cash management and control perspective.

Banking and Financing

· Manage relationships with banks and financial institutions, including negotiation of banking facilities, terms and charges.

· Manage the Group’s borrowings, including executing drawdowns, repayments and refinancing, and evaluate financing options to optimise cost of funds.

· Monitor compliance with financial covenants and facility agreement terms and prepare required reporting to lenders.

· Support capital management initiatives by performing analysis and preparing funding proposals for acquisitions, strategic investments and dividend payments.

· Maintain and update bank mandates, authorised signatories and online banking access.

Risk Management

· Monitor and analyse the Group’s foreign exchange exposure arising from regional operations, as well as interest rate risk, and propose appropriate measures for mitigation.

· Ensure that the Group complies with the relevant foreign exchange regulations.

Investments

· Manage the placement of surplus funds in money market and term deposits with approved financial institutions to optimise returns while maintaining liquidity.

· Monitor returns on placements and ensures placements are within the approved limits and recommend changes to the placement approach where appropriate.

Reporting

· Prepare treasury reports and analysis for the Group Financial Controller and management, including cash position, borrowings and risk exposures, with key insights and recommendations.

· Collaborate with the Finance Operations team on bank reconciliations, treasury-related accounting entries and month-end closing.

· Coordinate with external auditors on treasury-related matters and provide treasury inputs for financial reporting and disclosures.

Taxation (Support)

· Assist the Tax Manager in corporate income tax matters, including tax estimates, tax computations and submission of tax returns.

· Assist in managing tax payments and instalment schedules, and incorporate tax cash flows into cash flow forecasts.

· Assist in handling tax queries and tax audits and liaise with tax agents and tax authorities as required.

· Assist in managing tax implications of cross-border fund flows, including withholding tax on intercompany payments and dividends.

Process and policies

· Identify and implement process improvements to increase efficiency and accuracy of treasury operations.

· Monitor existing treasury policies adopted and proactively identify gaps for improvement.

· Enhance, develop, implement treasury policies and procedures including automation of process to maintain and strengthen internal controls, to improve the overall finance operations and effectiveness of the Group.

Other reporting / matters

· Other ad hoc assignment as required.

Qualifications

· Candidate must possess Degree in Accounting/ Finance/ ACCA or equivalent.

Work Experience

· Minimum 8 years of working experience in treasury, corporate finance or a related field, including at least 4 years in a treasury role.

· Experience managing banking relationships and negotiating banking facilities is required.

· Experience in the corporate treasury function of a listed company with regional operations is preferred.

Skills & Competencies

· Strong understanding and application of cash and liquidity management, financing, capital management, foreign exchange risk management, and treasury-related policies and processes.

· Strong analytical skills with experience in cash flow forecasting and financial modelling.

· Familiarity with treasury management systems and online banking platforms.

· Understanding technology-driven business models is an advantage.

· Basic understanding of Malaysian taxation is an advantage.

· Proficient with Microsoft Office (Excel, PowerPoint & Word).

· Good command of both written and spoken English and Bahasa Malaysia.

· High-level of integrity with good interpersonal and communications skills.

· Attention to detail and high level of accuracy.

· Good organisational skills with an ability to prioritize, multi-task and work independently.

· Strong interpersonal and communication skills with the ability to build relationships and adapt to change.

· Results-driven mindset with strategic thinking and problem-solving abilities.

· Hands-on and able to balance day-to-day execution with analytical and strategic thinking.