From Credit Control to Treasury Leadership: Building Skills the Non-Traditional Way

Sep 23, 2025

In this discussion, Tom Fuller, Financial Controller & Head of Treasury at Form3, shares his unique journey from credit control to treasury leadership, shaped by experiences in regulated utilities and high-growth fintech. He emphasizes the importance of learning on the job and adapting real-time treasury systems like SWIFT for cash management. Tom also delves into the pressures of managing $3bn in M&A financing, implementing Kyriba for forecasts, and balancing liquidity in a fast-paced environment. Plus, he offers valuable career advice for aspiring treasury professionals.

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ANECDOTE

From Two-Week Contract To CIMA

Tom started in a two-week credit control contract that extended into a career and led him to study CIMA while working.
That hands-on, non-traditional start exposed him to airline finance, hedging fuel and FX, and practical treasury interactions.

ANECDOTE

Treasury Lessons At A Regulated Utility

At Anglian Water Tom moved into a regulated utility treasury handling debt, hedge accounting and IFRS 9.
He gained experience with front-office dealing, SWIFT reporting and treasury management system implementations.

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What does it take to move from credit control into leading treasury for fast-growth, acquisitive businesses?

In this episode, I chat to Tom Fuller, Financial Controller & Head of Treasury at Form3. We explore how non-traditional career paths can build the skills and resilience needed to thrive at the top of treasury.

Tom Fuller, an experienced treasury professional joins the podcast to share how he transitioned from credit control into treasury, building his career across regulated utilities, high-growth fintech, and acquisitive corporates.

In the episode Tom reflects on the lessons learned from managing billions in M&A, implementing real-time systems, and scaling treasury functions under pressure.

What We Cover in This Episode:

Early career journey: moving from credit control into treasury and finance.
The importance of seizing opportunities and learning treasury “on the job.”
Building treasury infrastructure in fast-growing, acquisitive businesses.
Handling $3bn M&A financing and $2.2bn hedging transactions.
Implementing cashflow forecasting, payment platforms, and SWIFT connectivity.
The role of treasury systems: Kyriba, MT940/942 messaging, and reconciliation.
Real-time payments: CHAPS, Faster Payments, and new connectivity models.
Scaling treasury in fintech: balancing liquidity, debt, investors, and growth.
Time management, qualifications, and practical career advice for treasury professionals.

You can connect with Tom Fuller on LinkedIn.

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