UK

United Kingdom · Finance · C-Suite (20+ years)

Treasurer

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  • Experience bandC-Suite (20+ years)
  • Reports toChief Financial Officer (CFO)
  • UK framework levelUsually a director, accountable for a division and its numbers

Also advertised as Group Treasurer · Chief Treasury Officer · EVP, Treasury

Built on 43,079 real UK job descriptions we analysed · grounded in what real qualifications cover

Two short quizzes about you

1From this job to a course

The future skills this job leans on

Data Fluency turning numbers into a decision
AI Governance Fluency using AI responsibly
Sustainability Fluency building care for people and planet into the work
Frontier Fluency the next wave, beyond mainstream AI

2AI and this work

Will AI change your work as a Treasurer?

Nobody can say exactly how. Here is what this job is being asked for next, and where to start.

The new skills this role is being asked for

  • Digital Asset & Blockchain Treasury
  • ESG Finance & Sustainable Treasury
Why each one is rising

The future skills this job leans on

We'll only ever tell you what we can actually back up. No hype, no scare tactics.

What happens when you start

Next, a free account. We build your Treasurer plan as you set up, starting with the free Growth Mindset module. No card.

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3What this role really is

A treasurer manages an organisation's finances, from capital structure to cash flow and risk. The work involves securing funds for growth and protecting the organisation from market shocks.

4What you'd actually use

The tools this job runs on, and how well you'd need to know each one.

Treasury Management System (Kyriba, GTreasury, FIS Integrity) Strategic/Architect

You'll lead the selection, implementation, and strategic integration of our TMS with ERPs and other financial systems. You own the vendor relationship and drive the system's evolution to meet our strategic objectives.

ERP Systems (SAP S/4HANA Cash and Liquidity, Oracle NetSuite) Strategic

You'll influence the design and configuration of treasury modules during ERP upgrades or implementations, ensuring they support our strategic cash and risk management requirements. You understand the end-to-end data flow at an architectural level.

Bank Portals (CitiDirect BE, J.P. Morgan Access, HSBCnet, Bank of America CashPro) Strategic

You'll negotiate service level agreements (SLAs) and technology roadmaps with our core banking partners. You'll also drive the strategy for bank connectivity, evaluating SWIFT, Host-to-Host, and API solutions for optimal efficiency and security.

Market Data & FX Platforms (Bloomberg Terminal, Refinitiv Eikon, FXall, 360T) Strategic

You'll use the insights from these platforms to develop and refine enterprise-wide hedging strategies. You'll also use the data to support Board-level presentations on financial risk and market outlooks.

Financial Planning & Analysis (FP&A) Tools (Anaplan, Workday Adaptive Planning) Advanced/Strategic

You'll collaborate with the FP&A leadership to design and build integrated cash flow forecasting modules within the corporate planning tool, ensuring treasury's strategic needs are met and data flows seamlessly.

Advanced Excel (VBA, Power Query, complex modelling) Strategic

You'll oversee the governance and standardisation of key financial models used by the treasury team. You'll champion the migration from complex Excel models to more robust, scalable planning and reporting tools where appropriate, while still understanding the underlying logic.

5What you get to decide, and how that grows

Power in a job isn't your title. It's what you're allowed to decide. Here's how it grows as you move up.

The choiceComing in Where you are nowThe step above
Capital Structure Strategy No involvement. May provide data for analysis. Develops recommendations for specific components (e.g., term loan vs. bond).
Major Financing Agreements (e.g., £500M+ credit facility) Assists with data compilation. Reviews documentation for accuracy. Supports negotiation, analyses covenants.
Enterprise Financial Risk Policy (FX, IR, Commodity) No involvement. Understands and applies existing policies. Proposes minor policy adjustments based on operational experience.
Treasury Technology Strategy & Major TMS Investment Uses existing systems. Provides feedback on system usability. Evaluates new modules, suggests improvements.

6How you'll be judged

The scoreboard, and what is not on it. The hard targets, how often each is actually looked at, and the quiet signals that never reach a dashboard.

Optimise Working Capital
Improve the efficiency of our working capital management across the group.
Target · Improve Cash Conversion Cycle by 5-10 days year-over-year.

Reduced average Days Sales Outstanding (DSO) by 7 days and Days Payable Outstanding (DPO) by 5 days, leading to a 12-day improvement in the Cash Conversion Cycle, freeing up £50M in operating cash.

Reduce Borrowing Costs
Lower the overall cost of our debt and financing facilities.
Target · Reduce weighted average cost of debt by 10-20 basis points (bps) annually.

Successfully refinanced our £500M revolving credit facility, negotiating a 15 bps reduction in interest rates, saving £750K annually in financing costs.

Reduce FX Volatility in Earnings
Minimise the impact of foreign exchange rate fluctuations on our reported earnings.
Target · Reduce FX impact on reported EBITDA by 25% through effective hedging strategies.

Despite significant GBP/USD volatility, our hedging programme limited the negative FX impact on Q2 EBITDA to £2M, compared to an unhedged exposure of £8M.

Capital Structure Efficiency
Maintain an optimal and flexible capital structure that supports strategic growth.
Target · Maintain Debt-to-EBITDA ratio within 2.0x-2.5x and ensure access to £200M+ in undrawn credit facilities.

Successfully executed a £300M bond issuance at a favourable rate, maintaining our target leverage ratio while securing funding for a major acquisition, and keeping our credit rating stable.

Liquidity Coverage Ratio
Ensure the company maintains robust short-term liquidity to cover potential outflows.
Target · Maintain a minimum 120% Liquidity Coverage Ratio (LCR) at all times.

Throughout a period of unexpected market illiquidity, our LCR never dropped below 125%, demonstrating strong financial resilience and avoiding any funding shortfalls.

Board & Investor Confidence
The Board and investors trust your strategic direction and ability to manage financial risk.
  • You're proactively consulted on strategic decisions, not just informed. The Board consistently approves your capital allocation recommendations. Investor calls frequently highlight the strength of our treasury management as a competitive advantage. You're seen as a trusted advisor to the CFO and CEO on financial matters.
Regulatory Compliance & Governance
Our treasury operations are fully compliant with all relevant financial regulations and internal policies.
  • Zero material findings in internal or external audits related to treasury. Successful navigation of complex new regulations (e.g., LIBOR transition, new derivatives reporting). Robust internal controls are consistently applied, and your team demonstrates a strong control culture. You've got a reputation for ethical leadership.
Strategic Banking & Rating Agency Relationships
We maintain strong, mutually beneficial relationships with our core banking partners and credit rating agencies.
  • We consistently receive favourable terms on credit facilities and banking services. Our banks proactively bring us innovative solutions. Rating agencies have a clear understanding of our financial strategy and risks, leading to stable or improved ratings. You're seen as a key contact for these external partners.
Talent Development & Succession Planning
You're building and retaining a high-performing global treasury team with clear succession pathways.
  • Key treasury leadership roles have identified successors. Your team members are regularly promoted internally or move to other senior finance roles. You're known for mentoring and developing talent, creating a positive and challenging work environment. Employee engagement scores for your department are consistently high.

7Would you like it

Both sides. What people enjoy, and what grinds them down.

What people enjoy
Shaping Enterprise Strategy

You'll spend a good chunk of your time in strategic planning meetings with the executive team, contributing to major M&A discussions, or designing multi-year capital allocation frameworks. Your input directly influences the company's future.

Leading the financial due diligence and integration planning for a £500M acquisition, ensuring capital structure alignment and optimal funding post-merger.

Managing Significant Financial Risk

You thrive on identifying, measuring, and mitigating complex financial risks across the global enterprise – FX, interest rates, commodities, counterparty risk. This means designing sophisticated hedging programmes and stress-testing our financial resilience.

Developing and implementing a new enterprise-wide FX hedging policy that significantly reduces earnings volatility across 20+ operating countries.

Driving Shareholder Value

Your decisions directly impact our cost of capital, our return on invested capital, and ultimately, our share price. You're constantly looking for ways to optimise our financial resources to deliver better returns for investors.

Successfully negotiating a new £1B syndicated credit facility with improved covenants and lower borrowing costs, directly enhancing our financial flexibility and shareholder returns.

What frustrates people
  • Dealing with the inherent unpredictability of global financial markets and having to react to sudden shifts.
  • The sheer volume of regulatory changes and the constant need to ensure enterprise-wide compliance.
  • Balancing the short-term demands of the business with the long-term strategic needs of the company.
  • Getting buy-in from various business units for centralised treasury policies and controls, especially when they feel it slows them down.
  • The heavy administrative burden of managing banking relationships and KYC documentation for a global organisation.
  • The constant need to justify the value of hedging programmes when markets are calm, only for their value to be evident during a crisis.
What this role does not give you
  • A purely operational focus – you'll be leading strategy, not just executing.
  • Complete autonomy without Board or CFO oversight – you're a key executive, but part of a team.
  • A low-stress environment – the stakes are always high.
  • An easy path to 'set it and forget it' solutions – the financial landscape is always evolving.

8Who you work with

This role is absolutely critical. You're responsible for the financial plumbing of the entire enterprise. Get it right, and we have the capital to expand, innovate, and weather any storm. Get it wrong, and the company's very existence is at risk. You're directly influencing our cost of capital, our financial flexibility, and our ability to deliver long-term shareholder value.

Inside the business
  • Chief Financial Officer (CFO)
  • Board of Directors (especially Audit and Finance Committees)
  • CEO and Executive Leadership Team
  • Business Unit Presidents/MDs
  • General Counsel and Legal Team
  • Head of Investor Relations
Outside the business
  • Global Banking Partners (Relationship Managers, Product Specialists)
  • Credit Rating Agencies (e.g., S&P, Moody's, Fitch)
  • Investors (Equity and Debt Holders)
  • Regulators (e.g., FCA, PRA, SEC)
  • External Auditors
  • Investment Bankers and Advisors

9What you need before you start

Not a wish list. The things you would be expected to already have.

  • A proven track record of 20+ years in treasury, with at least 5-7 years in a Director or Assistant Treasurer role, managing a significant global treasury function.
  • Extensive experience in capital markets, including leading major debt or equity issuance programmes.
  • Demonstrated expertise in designing and implementing enterprise-wide financial risk management strategies (FX, interest rate, commodity).
  • Significant experience presenting to and interacting with Boards of Directors, audit committees, and external investors.
  • Proven ability to lead, mentor, and develop large, geographically dispersed teams of senior finance professionals.
  • Experience in leading treasury aspects of M&A transactions, from due diligence to integration.

10What to practise next

Where the job is going, and what to do about it starting this week.

Advanced AI/ML for Predictive Analytics

Beyond basic forecasting, AI and Machine Learning will offer real-time risk sensing, more accurate liquidity predictions, and even algorithmic recommendations for hedging or cash deployment. This moves treasury from reactive to truly proactive, giving us a significant competitive advantage.

Real-time Data Integration · Algorithmic Decision Support · Explainable AI (XAI) · AI for Scenario Planning & Stress Testing

  • This quarter: Participate in executive workshops on AI/ML applications in finance.
  • Next 6 months: Sponsor a pilot project within treasury to apply advanced AI to a specific problem (e.g., intra-day liquidity forecasting).
  • Next 12 months: Develop a strategy for integrating AI-driven insights into our core treasury decision-making processes.
  • Ongoing: Challenge your team to explore and present new AI applications that could enhance our capabilities.

Quick win: Ask your team to present on the latest AI tools they're using for analysis. Explore executive-level AI courses to understand the strategic implications, not just the technical details.

11Staying current once you are in

What people here do to keep up
  • Regularly attend and speak at industry conferences (e.g., EuroFinance, ACT Annual Conference) to stay current on trends and build your network.
  • Engage with leading academic institutions on executive education programmes focused on global finance, digital transformation, or ESG strategy.
  • Serve on the board of a non-profit or a smaller company to gain broader governance experience.
  • Mentor rising talent within finance, both inside and outside our organisation, to hone your leadership and coaching skills.

12The rising capability

The rising capability

Zavmo analysis

What's rising in its place

This is where the work is heading, and the higher pay with it. Get fluent here and the shift stops being a threat and starts being your edge.

Digital Asset & Blockchain Treasury

The rise of cryptocurrencies, tokenised assets, Central Bank Digital Currencies (CBDCs), and distributed ledger technology (DLT) is set to revolutionise payments, settlement, and capital markets. Ignoring it isn't an option; we need to understand how to use it, manage its risks, and potentially integrate it into our treasury operations.

  • CBDCs & Stablecoins
  • Tokenised Assets
  • DLT for Payments & Supply Chain Finance
  • Regulatory Landscape of Digital Assets

ESG Finance & Sustainable Treasury

Investors, regulators, and customers are increasingly demanding strong Environmental, Social, and Governance (ESG) performance. This isn't just about PR; it impacts our access to capital, borrowing costs, and reputation. Treasury needs to integrate ESG considerations into financing decisions, risk management, and reporting.

  • Green Bonds & Sustainability-Linked Loans
  • ESG Risk Integration
  • ESG Reporting & Disclosure
  • Carbon Pricing & Transition Risk

13What you’ll use

What you’ll use

Skills this role draws on

Technical

  • Capital Markets & Debt Issuance
  • Advanced Financial Risk Management
  • Global Cash & Liquidity Strategy
  • M&A Treasury Integration
  • Working Capital Optimisation

14The pathway

The pathway

How you actually get there, here

How you become one varies far more by country than what one does. This is the UK route. Most people take one of these ways in; the right one depends on where you're starting from.

  1. 1

    Director of Treasury / Assistant Treasurer

    5-10 years in this role before Treasurer

    Skills to master

    • Leading a major treasury function (e.g., Global Cash, Capital Markets), managing large teams, presenting to senior leadership, deep bank relationship management, and driving significant strategic projects.

    You're ready to move on when

    • Successfully led a major financing transaction (e.g., bond issuance, credit facility renewal).
    • Developed and implemented a new enterprise-wide treasury policy or system.
    • Consistently delivered on strategic objectives, demonstrating strong commercial acumen.
    • Proven ability to mentor and develop senior treasury professionals.
    • Regularly engaged with the CFO and Board on strategic treasury matters.
  2. 2

    Head of Capital Markets

    7-12 years in this role before Treasurer

    Skills to master

    • Expertise in all aspects of debt and equity capital markets, investor relations, credit rating agency management, and complex financial instruments. This path is for someone who lives and breathes financing.

    You're ready to move on when

    • Successfully managed multiple debt issuances and refinancings.
    • Maintained strong relationships with rating agencies, securing favourable outcomes.
    • Demonstrated deep understanding of capital structure optimisation and shareholder value creation.
    • Proven ability to navigate volatile market conditions and execute complex transactions.
  3. 3

    Head of Global Cash & Liquidity Management

    7-12 years in this role before Treasurer

    Skills to master

    • Mastery of global cash pooling, intercompany financing, payment systems, and liquidity forecasting for a multi-national enterprise. Focus on operational excellence and efficiency at scale.

    You're ready to move on when

    • Significantly improved global liquidity management efficiency and reduced trapped cash.
    • Led the implementation of a new global TMS or banking architecture.
    • Demonstrated strong controls and compliance across global cash operations.
    • Proven ability to manage complex cross-border financial flows and regulatory environments.

15Where this role leads

The long view: This role can lead to a chief financial officer post, a non-executive director position, or a senior advisory role in private equity or investment banking.

16Pay and demand

ONS's coding index maps “Treasurer” to more than one occupation, so there is no one median to quote. Rather than pick, here is each one it could be, with its own figure:

  • Financial managers and directors £76,447 a year
  • Financial administrative occupations n.e.c. £28,996 a year

ONS Annual Survey of Hours and Earnings, from the April 2025 survey, about six months old when published, as ASHE always is, under the Open Government Licence.

The ten Future Fluencies

Zavmo analysis

The credential is what you can do today. These are what keep you valuable.

A qualification proves you can do the job as it's defined today. These ten are what decide whether you're still the obvious person for it in five years. They're the capabilities employers are now writing into senior roles faster than people are learning them. Zavmo weaves them through whatever you study, so you come out with both: the credential and the fluency.

The highlighted ones are the Fluencies your role leans on hardest, from how Treasurer is actually changing.

Where it leads

Roles this leads to

Also named as a next step, with no page in the catalogue yet:

  • Chief Investment Officer (CIO) / Head of Corporate Development

How you would learn this

One to one, on the work you already do

A tutor sets the task against your own job and marks the reasoning, at your pace. There is no cohort to fall behind.

It is £70 a month, billed monthly. Your free first module is Future Fluency, and you can cancel any time.

See Your Progress Grow Illustration
Treasurer
  • Capital Markets & Debt Issuance
  • Advanced Financial Risk Management
  • Global Cash & Liquidity Strategy
  • M&A Treasury Integration
  • Working Capital Optimisation
This is your Mind Palace on learn.zavmo.ai. Every skill above comes from this role's own record, not an example borrowed from another job. A node lights up when you evidence it, and what you build stays yours between jobs. That is the part a course cannot do.

17The detail, folded away

Everything else the record holds

The career branches in full, how AI is already showing up in the day-to-day, and the questions people ask about this job. Here when you want them, out of the way while you decide.

Where it leads next, rung by rung

Where it leads

The career path, and where it branches

Treasurer is a start, not a ceiling. Each step below asks for new skills and hands back more autonomy.

  1. Chief Financial Officer (CFO)

    3-5 years as Treasurer

    Elevation to enterprise-wide financial leadership, overseeing all finance functions (accounting, FP&A, tax, treasury, investor relations).

    • Expertise in financial reporting and accounting standards (IFRS/GAAP).
    • Deep understanding of tax strategy and compliance.
    • Leadership of financial planning and analysis (FP&A) functions.
    • Broader legal and regulatory compliance across finance.

  2. Chief Investment Officer (CIO) / Head of Corporate Development

    4-6 years as Treasurer

    Shift to direct management of investment portfolios or leading M&A strategy and execution.

    • Expertise in specific investment asset classes (e.g., alternatives, private debt).
    • Advanced valuation modelling and deal structuring.
    • Post-merger integration beyond treasury.
    • Market research and competitive analysis.
Working with AI on the job

Working with AI

Where AI is starting to help

Let's be real, even at the C-suite, there's a mountain of information to digest, scenarios to model, and reports to review. What if you could cut through the noise and get straight to the strategic insights? That's where AI comes in. It's not about replacing your strategic brain; it's about giving you superpowers to make better, faster decisions.

As Treasurer, your time is incredibly valuable. Imagine if the routine crunching, initial drafting, and basic analysis could be handled by AI, freeing you up for high-level negotiations, investor relations, and truly shaping the company's financial future. Our AI Productivity Hub shows you how to integrate these tools into your daily workflow, transforming your effectiveness.

Automated Capital Structure Modelling

Use AI to run complex scenario analyses on debt issuance, equity financing, and share buyback programmes in minutes, not days. It can quickly assess the impact of different market conditions or strategic moves on our cost of capital, leverage ratios, and shareholder value. Think of it as having an army of quants at your fingertips, constantly optimising our funding mix.

Predictive Risk Analytics

Deploy AI models that go beyond traditional forecasting to provide real-time risk sensing. These tools can predict potential FX or interest rate movements with higher accuracy, identify emerging counterparty risks, and even suggest optimal hedging strategies, giving you a critical edge in managing our financial exposures. It's about anticipating the storm, not just reacting to it.

Regulatory Intelligence Co-pilot

Navigating the labyrinth of global financial regulations is a full-time job in itself. An AI co-pilot can ingest vast amounts of new regulatory updates (e.g., Basel III, IFRS 9 changes), summarise their key implications for our treasury operations, and even highlight potential compliance gaps, saving your legal and compliance teams countless hours and ensuring we stay ahead of the curve.

Board Report & Investor Briefing Drafter

After your team has pulled the numbers, use AI to draft initial summaries, pull key data points, and even suggest narrative for your Board presentations and investor briefings. This isn't about letting AI write your strategy, but about streamlining the initial content creation, allowing you to focus on refining the message and preparing for tough questions. It's about getting to 'final draft' much quicker.

Common questions

Common questions

How do you become a Treasurer?

Common routes in include Director of Treasury / Assistant Treasurer (5-10 years in this role before Treasurer), Head of Capital Markets (7-12 years in this role before Treasurer) and Head of Global Cash & Liquidity Management (7-12 years in this role before Treasurer). Times vary with prior experience.

Where can a Treasurer progress to?

This role can lead on to Chief Financial Officer (CFO) (3-5 years as Treasurer) and Chief Investment Officer (CIO) / Head of Corporate Development (4-6 years as Treasurer), depending on the skills you build.

What new skills matter most for a Treasurer?

Increasingly, Digital Asset & Blockchain Treasury and ESG Finance & Sustainable Treasury. These are the skills our record of this role lists as growing.

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18Where to go from here

Other roles at Level 7

Same depth of qualification, different job. Useful if the work appeals but this particular role does not.

 More jobs in finance

Stay in the field you know and move sideways rather than up.
If you leave this industry

Knowledge of capital markets, risk management and global finance applies across sectors, including technology, manufacturing, healthcare and financial services. Treasury principles stay the same wherever they're applied.

This role profile is © 2026 Growth Engineering Technologies Ltd. Built from UK occupational standards and regulated qualification data, and written for Zavmo.

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