Group Head of Cash Operations

Malt is seeking a highly skilled and strategic Head of Cash Management to structure our cash management operations across all our platforms and systems. As a vital member of our finance team reporting directly to the CFO, you will be responsible for efficiently managing the company’s liquidity, optimizing cash flows and supporting growth and strategic initiatives. The ideal candidate will have a strong background in treasury operations, risk management, and financial strategy, combined with excellent leadership and communication skills.

Key Responsibilities

• Supervise all cash operations.
• Oversee payment transactions on our PSPs and manage cash operations with our factors and financial partners.
• Improve day‑to‑day banking operations (vendor payments, bank monitoring, etc.).
• Optimize cash flows by improving cash cycles, overseeing performance monitoring and reporting, and developing accurate cash‑flow forecasts to ensure sufficient liquidity for operational and strategic needs.
• Manage the Cash Operations team (6+ persons, including 2 transverse roles – Cash Controller and Project Manager – and 4 operational roles – Treasurer, Payment Operations Manager, Financing Team, and Credit & Risk Manager).
• Maintain compliance with payment‑industry regulations and standards; identify and mitigate risks associated with all cash operations; develop and enforce internal controls and policies to prevent unauthorized transactions or fraud.
• Work with other departments (IT, Product, other finance teams) to ensure seamless payment operations.
• Create and maintain documentation for payment processes and procedures.
• Drive innovation and strengthen our technical stack (deeper integrations, better automations, etc.) to enhance efficiency, robustness, and reduce costs.
• Build and maintain strong relationships with banks and financial institutions to negotiate favorable terms for credit facilities, payment processing, and other financial services.
• Manage and optimize group banking structures, including account setups, bank fees, and treasury services.
• Ensure availability of financing options, such as revolving credit lines or short‑term funding, to support the company’s growth and emergency liquidity needs.

Qualifications and Requirements

• 10‑15 years of experience in Treasury and Cash Management.
• Strong management, leadership, collaboration, negotiation, and communication skills.
• Technical proficiency and financial expertise, including familiarity with payment processing systems, financial software, and relevant technologies.
• Deep understanding of payment methods, gateways, and high‑volume transaction processing.
• Regulatory knowledge and compliance requirements governing payment operations (e.g., PCI DSS and AML).
• Strategic thinking and business acumen, able to align cash‑management strategies with the company’s growth trajectory and long‑term goals.
• Technology and systems proficiency, including digital solutions, automation, and data visualization tools for reporting.
• Ability to assess and implement new technologies to improve cash visibility and operational efficiency.
• Adaptable and proactive, with flexibility to adapt to changing regulations, technologies, and market conditions; proactive in identifying potential challenges and opportunities.

Benefits

• Onboarding program with learning about culture, products, and services.
• Equity: stock options for all employees.
• Lunch vouchers: €9 per day on Swile card.
• Transportation: 50% reimbursement for any type of transport.
• RTT: 8‑12 days off per year.
• Gym membership through Gymlib.
• One‑month paid sabbatical after three years.
• Free books: curated selection based on employee requests.
• Hybrid remote work policy.
• Annual team‑building events.