Treasury Specialist / Experte Zahlungsmanagement (m/w/d)

LemFi (Series B) is building the go-to financial app for the Global South. Moving to a new country shouldn’t mean starting from zero. That's why our team of 400+ spanning 20+ countries is building a financial ecosystem that helps immigrants stay connected to home, build stability, and create wealth regardless of where they are from or where they live. What began as fast, affordable remittances is now evolving into a complete platform for multi-currency accounts, payments, credit, and long-term financial growth. With millions of users across the globe, we process over $1B in monthly transactions to 30+ countries, proving that borders shouldn't limit financial opportunity. ABOUT THE ROLE You'll own the end-to-end execution of liquidity workflows and partner operations across our Francophone corridors. Reporting to the Head of Trading & Treasury, this is high-impact individual contributor work that combines analytical rigor with operational ownership. You'll ensure liquidity is optimised, trades are executed accurately, and regional operations run seamlessly in a fast-paced, cross-border environment. You're not just reporting on performance. You're driving it daily, forecasting demand, executing positions, managing partner relationships, and closing the loop on every discrepancy. WHAT YOU'LL BUILD AND OWN * Own daily and weekly liquidity forecasting across regional wallets and accounts. Ensure funding levels are optimised to meet transaction demand while adhering to exposure limits. * Support and execute regional trading activity in coordination with the Liquidity Manager. Manage currency positions within defined parameters, maintaining clear and proactive communication with the Treasury team. * Act as the primary point of contact for regional partners and aggregators. Ensure operational stability while identifying opportunities to improve partner performance and processes. * Take full ownership of the reconciliation lifecycle. Track funds across the settlement chain, resolve discrepancies, and ensure accurate reporting to Finance and Group teams. * Serve as the regional subject matter expert. Provide insights on settlement trends, partner performance and operational risks that may impact delivery. YOUR EXPERIENCE * Proven experience in Treasury Operations, FX, or within fintech and remittance environments. Experience with XOF/XAF regions is a strong advantage. * Native-level bilingual proficiency in French and English. Essential. * Strong analytical capability with experience in forecasting, liquidity management and data-driven decision making. Comfortable using treasury tools and building or improving models. * Solid understanding of cross-border payments, settlement cycles and reconciliation processes. * A detail-oriented operator. You take pride in accuracy, close the loop on every discrepancy, and thrive on precision. * Ability to communicate clearly and concisely with both internal teams and external partners. NICE TO HAVE * Experience in West African or Central African corridor operations. * Familiarity with specific treasury platforms (e.g., Murex, FIS, etc.). * Background in payments fintech or remittance companies. WHY JOIN LEMFI? Love shouldn’t be expensive, yet those working hardest for their families often face predatory fees and banking exclusion. We're changing this. At LemFi, you won’t be just a cog in a machine. Whether designing products, scaling operations, or telling our story, you’ll tackle complex challenges with real, immediate impact. Your work goes beyond metrics - it puts money back in families’ pockets and offers access to the previously excluded. Join us to make a meaningful difference, where high performance is a lifeline for millions. You can connect with us on LinkedIn and Instagram and if you haven't already, download the app on the App Store or Google Play.

About Agoda At Agoda, we bridge the world through travel. Our story began in 2005, when two lifelong friends and entrepreneurs, driven by their passion for travel, launched Agoda to make it easier for everyone to explore the world.     Today, we are part of Booking Holdings [NASDAQ: BKNG], with a diverse team of over 7,000 people from 90 countries, working together in offices around the globe. Every day, we connect people to destinations and experiences, with our great deals across our millions of hotels and holiday properties, flights, and experiences worldwide.   No two days are the same at Agoda. Data and technology are at the heart of our culture, fueling our curiosity and innovation. If you’re ready to begin your best journey and help build travel for the world, join us.   GET TO KNOW OUR TEAM Agoda Finance plays a central role in supporting the company’s global expansion. Within Finance, Treasury ensures liquidity is well managed across currencies and markets, while maintaining strong controls and compliance standards. As our business grows and regulatory expectations increase, we are strengthening our cash management and segregation framework. This role offers hands-on exposure to global treasury operations in a fast-paced, multi-currency environment. THE OPPORTUNITY We are looking for a Cash Management & Treasury Operations Specialist to support day-to-day cash operations across Corporate and Merchant funds. You will contribute to cash positioning, forecasting, reporting, and control activities with increasing exposure to regulatory requirements and treasury system enhancements. You will also support key treasury projects, including TMS development, cash segregation and FBO account implementation, as well as initiatives focused on automation, operational efficiency, and optimization of treasury-related P&L costs (e.g., transaction and banking fees). This is an excellent opportunity to build strong technical treasury foundations in a structured and evolving environment. IN THIS ROLE, YOU’LL GET TO CASH MANAGEMENT * Execute recurring treasury activities to operate existing cash concentration and cash pooling structures. * Support monitoring of currencies not connected to the cash pool and assist in improving forecasting accuracy for those balances. * Analyze entity and bank account level cash positions to identify opportunities for integration and connectivity to existing cash pool structures. Coordinate the enablement of bank account connectivity and onboarding for identified account inclusion. * Assist with daily cash positioning and ensure sufficient funding across bank accounts. * Manage the daily/weekly funding of wallets (top ups) with our Corporate funds. * Support FX settlements with banking partners (merchant/corporate accounts) within the TMS across the full range of financial derivative instruments. REPORTING * Contribute to extending the short-term cash flow forecast to a 13-week horizon by leveraging AP/AR historical data and applying statistical estimation methods. * Build and maintain an interest result tracking file to monitor financial impact under the cash segregation framework. * Build and maintain a robust monthly reporting of non L4L fees, for both pay-ins and pay-outs. * Build and maintain a monthly reporting of rejection bank fees by currency and bank account. * Support cash management dashboard enhancements under the cash segregation project. PROJECTS * Support the Global TMS rollout by assisting with documentation, SOP preparation, and user testing where required. * Monitor and support compliance with KRW regulatory requirements under guidance from senior team members. * Perform weekly controls related to cash segregation and escalate discrepancies when identified. * Explore Like for Like settlement enhancements for collection and payouts in order to reduce FX transaction costs. CONTROLS & AUDIT * Execute treasury controls linked to new TMS implementation and cash segregation processes. * Identify operational inefficiencies and suggest practical improvements to strengthen controls. WHAT YOU’LL NEED TO SUCCEED * Bachelor’s degree in Finance, Accounting, Economics, or a related field; MBA or professional certification (CFA, CTP) preferred.  * 5+ years’ experience working in a Treasury department of a regulated entity offering products that are considered financial services.  * In-depth knowledge of treasury operations, cash management, financial markets, and investment strategies  * Prior experience operating cash concentration and notional cash pool structures within a corporate treasury or banking environment * Well-read in Asia market regulations and able to concisely express requirements for operating a financial services business as it pertains to Treasury in ASEAN  * Familiarity with end-to-end bank account maintenance, including account opening, on-going KYC/AML requirements, and required reporting in relation to holding customer funds.  * Thorough understanding of currency control frameworks particularly in India and experience in navigating them to achieve Treasury objectives  * Proven success in improving cash management in a fast-moving business that has pay-in/pay-out flows in at least 5+ currencies.  IT’S GREAT IF YOU HAVE * 3+ years’ experience working in the global/central Treasury of an organization as opposed to within a subsidiary. * Expert level proficiency in treasury management systems, accounting ERP, and MS/Google Office suite. * Curious, creative, and innovative when it comes to designing proper fund flows without stifling the business growth. * Strong analytical skills, able to deep dive, problem solve, and confidently reply to senior level executives when urgency is mandated. * Experience in managing safeguarding audits, performing annual risk/liquidity assessments, and stress testing.     #Kualalumpur  #Hanoi #Bangkok  #Pakistan #Bangladesh #Manila #HoChiMinh #Nigeria #SriLanka #Jakarta #Prague #India #Mumbai #Bangalore #Kaizen #London       PLEASE REVIEW OUR HIRING PROCESS GUIDELINES BEFORE YOUR INTERVIEW — CLICK HERE TO LEARN HOW INTERVIEWING AT AGODA WORKS.     DISCOVER MORE ABOUT WORKING AT AGODA * Agoda Careers https://careersatagoda.com * Facebook https://www.facebook.com/agodacareers/ * LinkedIn https://www.linkedin.com/company/agoda * YouTube https://www.youtube.com/agodalife   Equal Opportunity Employer  At Agoda, we pride ourselves on being a company represented by people of all different backgrounds and orientations. We prioritize attracting diverse talent and cultivating an inclusive environment that encourages collaboration and innovation. Employment at Agoda is based solely on a person’s merit and qualifications. We are committed to providing equal employment opportunity regardless of sex, age, race, color, national origin, religion, marital status, pregnancy, sexual orientation, gender identity, disability, citizenship, veteran or military status, and other legally protected characteristics. We will keep your application on file so that we can consider you for future vacancies and you can always ask to have your details removed from the file. For more details please read our privacy policy. Disclaimer We do not accept any terms or conditions, nor do we recognize any agency’s representation of a candidate, from unsolicited third-party or agency submissions. If we receive unsolicited or speculative CVs, we reserve the right to contact and hire the candidate directly without any obligation to pay a recruitment fee.