Job Purpose The Treasury Operations Head will be responsible for managing the company's liquidity, funding strategies, risk management, and regulatory compliance within the treasury function. This role requires deep expertise in NBFC operations, regulatory frameworks, and financial markets to optimize capital efficiency and ensure sustainable growth. Principal Liquidity & Fund Management Design and implement comprehensive liquidity management strategies aligned with multi-vertical business objectives including digital lending, housing finance, MSME loans, and payment services operations. Monitor daily cash flows, liquidity positions, and funding requirements across diverse business verticals (personal loans, consumption finance, real estate lending, PPI operations). Optimize funding mix through diverse sources including bank borrowings, NCDs, CPs, bonds, and specialized financing instruments for different asset classes. Develop segment-specific funding strategies considering varying maturity profiles of digital lending vs. housing finance portfolios. Maintain optimal liquidity buffers considering seasonal variations in MSME lending and real estate financing cycles. Develop and maintain relationships with banks, financial institutions, rating agencies, and specialized lenders for different business verticals. (b) Risk Management Establish and monitor comprehensive Asset-Liability Management (ALM) framework covering diverse portfolios including digital lending, housing finance, MSME loans, and real estate financing. Implement portfolio-specific hedging strategies considering different risk profiles of secured vs. unsecured lending. Conduct stress testing and scenario analysis across various business verticals and market conditions. Monitor concentration risks across geographies, segments (personal/MSME/housing), and digital vs. traditional lending channels. Manage liquidity risks specific to PPI operations and payment services business. Ensure compliance with segment-specific regulatory guidelines and internal risk limits. (c) Regulatory Compliance Ensure adherence to RBI guidelines, FEMA regulations, and other applicable laws. Maintain regulatory ratios including Capital Adequacy, Leverage Ratio, and Liquidity Coverage Ratio. Prepare and submit regulatory returns (ALM returns, Liquidity returns, etc.) accurately and timely. Coordinate with internal and external auditors for treasury-related audits. Stay updated with regulatory changes and implement necessary policy modifications. (d) Strategic Planning & Analytics Develop annual funding plans and capital allocation strategies. Conduct cost of funds analysis and optimize funding costs. Provide insights on market trends, interest rate movements, and their impact on business. Support business units with pricing strategies and profitability analysis. Lead treasury digitization initiatives and process improvements. (e) Team Leadership & Stakeholder Management Lead and mentor a team of treasury professionals. Collaborate with senior management on strategic financial decisions. Interface with Board committees including ALCO and Risk Management Committee. Coordinate with finance, credit, operations, and compliance teams. Manage relationships with external stakeholders including bankers, investors, and rating agencies. Education, Work Experience & Skills Education CA/CFA or MBA (Finance) from premier institution Professional certifications in treasury management (FRM, PRM) preferred Experience 12-15 years of progressive experience in treasury operations with multi-vertical NBFC exposure. Minimum 8 years of experience in NBFCs with diversified lending portfolios. Experience in managing treasury for organizations with AUM of - 5,000+ crores across multiple asset classes. Proven track record in fund raising for different business verticals and debt market operations. Technical Skills Deep understanding of RBI regulations applicable to NBFCs across multiple verticals (NBFC-MFI, HFC, PPI guidelines). Expertise in ALM for diversified portfolios including secured and unsecured lending. Knowledge of regulatory frameworks for digital lending, housing finance, and payment services. Experience with segment-specific funding instruments and capital requirements. Proficiency in treasury management systems and financial modeling for multi-vertical operations. Strong knowledge of debt capital markets and various funding instruments across different asset classes. Experience with rating processes covering diversified business portfolios. Understanding of fintech operations and digital payment ecosystems. Key Performance Indicators Cost of funds optimization across different business verticals and funding diversification. Maintenance of regulatory ratios within prescribed limits for all applicable licenses. Liquidity management efficiency considering seasonal variations across lending segments. Portfolio-specific risk mitigation and ALM effectiveness. Cross-vertical funding cost optimization and capital allocation efficiency. Team development and succession planning. Multi-regulatory compliance track record (NBFC, HFC, PPI regulations). Stakeholder relationship management across diverse funding sources and business partners. (ref:iimjobs.com) Show more Show less