Treasury Manager (Launch)

Our mission

We're making Africa the first cashless continent.

In 2017, over half the population in Sub-Saharan Africa had no bank account. That's for good reason—the fees are too high, the closest branch can be miles away, and nobody takes cards. Without access to financial institutions, people are forced to keep their savings under the mattress. Small business owners rely on lenders who charge extortionate rates. Parents spend hours waiting in line to pay school fees in cash.

We're solving this by building financial services that just work: no account fees, instantly available, and accepted everywhere. In places where electricity, water and roads don't always work, you can still send money with Wave. In 2017, we launched a mobile app in Senegal for cash deposit, withdrawal, and peer-to-peer and business payments. Now, we have millions of users across 9 countries and are growing fast.

Our goal is to make Africa the first cashless continent and that's where you come in...

How You’ll Help Us Achieve It

As a Treasury Launcher, you will play a pivotal role in launching, structuring, and stabilising treasury operations across new Wave markets. This is not a steady-state operational role. It is a build-and-transfer position that requires strong execution capabilities, high autonomy, and the ability to operate effectively in early-stage, complex environments. You will be accountable for building treasury operations from the ground up in new markets, designing and implementing banking and funding frameworks, ensuring full regulatory and operational readiness at launch, and transferring ownership to local Treasury Managers once markets reach stability.

In This Role, You’ll

Country Treasury Setup & Market Launch

Lead end-to-end treasury setup in new countries, including banking, funding flows, and controls.
Partner closely with Legal, Compliance, Finance, and Operations teams to ensure readiness before and after market launch.
Define and implement local treasury operating procedures aligned with Wave regional hub standards.
Coordinate with field teams to manage liquidity agents and cash rebalancing activities.
Act as the primary treasury point of contact throughout the launch and ramp-up phases.

Banking Relationships & Regulatory Readiness

Open, structure, and manage local bank accounts (operational, trust, and settlement).
Negotiate and implement banking services, including wires, cash management tools, fees, and service-level agreements.
Ensure treasury operations comply with local banking regulations and central bank requirements.
Support regulatory filings, approvals, and documentation related to treasury activities.
Enable smooth and compliant financial operations for cross-border transactions across multiple regions.

Funding Architecture & Liquidity Management

Design and implement initial funding models, including local and cross-border structures.
Execute and oversee early-stage funding operations until steady-state processes are established.
Monitor liquidity risks closely and ensure operational continuity during ramp-up periods.
Coordinate cross-border funding with headquarters, regional hubs, or other markets as required.

Daily Reconciliation & Funding Validation

Ensure accurate daily reconciliation of partner funding transactions, with a strong focus on precision and compliance.
Validate all funding activities promptly, maintaining complete and auditable documentation.
Oversee partner funding reconciliations in collaboration with the Treasury team, resolving discrepancies efficiently.

Team Enablement & Knowledge Transfer

Train and onboard local treasury staff or incoming Treasury Managers.
Document treasury processes, internal controls, and country-specific constraints.
Ensure a structured and effective handover to permanent Treasury Managers once markets stabilise.
Provide post-handover support as needed to ensure continuity.
Define and track stabilisation milestones, including banking reliability, reconciliation accuracy, and reporting autonomy.
Gradually transition from hands-on execution to oversight as local teams mature.

Key details

Location is flexible (home country: Ivory Coast with extended stays in launch markets).
Travel: High-sustained field presence required during launch phases.
This is a permanent position with mission-based deployments.
Our salaries are competitive and calculated using a transparent formula.
We offer generous health insurance for yourself and your dependents.
We support working parents - we offer 26 weeks of parental leave for mothers and 4 weeks for fathers, in addition to subsidized child care when they return to work.
Airtime reimbursement.
Free food and a beautiful office space.

Requirements

Full professional proficiency in English and French.
Master’s degree in Accounting, Finance, or a related discipline.
Minimum of 5 years’ experience in a comparable role with a strong professional background in Treasury, Finance, or Accounting, with hands-on experience in: Banking operations, Funding mechanisms, Reconciliations, and internal controls.
Solid understanding of accounting fundamentals and banking procedures.

You might be a good fit if you

Are comfortable operating in early-stage environments with limited structure and high ambiguity.
Have strong hands-on experience in bookkeeping and accounting fundamentals.
Take full ownership of outcomes, not just assigned tasks.
Are confident working with numbers and financial data and demonstrate exceptional attention to detail.
Are proficient with technology, including Google Sheets, Excel, and similar tools.
Communicate clearly and effectively, both in writing and verbally.
Operate with a high level of autonomy, resilience, and sound judgment in ambiguous environments.
Thrive in collaborative, team-oriented settings and work well with cross-functional stakeholders.
Have experience working in emerging or complex markets.
Have exposure to multi-country or cross-border treasury operations.
Are familiar with regulatory stakeholders such as Central Banks or auditors.
Are willing to temporarily relocate for mission-based assignments.

Our team

We have a rapidly growing in-country team in Senegal, Côte d'Ivoire, Mali, Burkina Faso, The Gambia, Uganda, Niger, Sierra Leone, and Cameroon plus remote team members spread across the world.
We're deeply passionate about our mission of bringing radically affordable financial services to the people who need them most.
We foster autonomy for our employees. You'll own your projects at every stage, from understanding the problem to monitoring your solution in production.
We raised the largest Series A in Africa in 2021. Our world-class investors, include Founders Fund, Sequoia Heritage, Stripe, Ribbit Capital, Y Combinator, and Partech Africa.
We are on Y Combinator's top companies by revenue.

How to apply

Fill out the form below, and upload a resume in English and a cover letter describing your interest in Wave and the role.

We review applications frequently and recommend that you apply to the role that most closely aligns with your skills, experience and career goals.

Wave is an equal-opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.