Treasury Manager

Job Title: Manager – Treasury

ensuring uninterrupted liquidity, securing diversified funding, managing ALM (asset-liability management) risks, and maintaining regulatory compliance

execution-oriented

Key Responsibilities

1. Liquidity & Cash Flow Management:

• Own daily, weekly, and monthly liquidity monitoring.
• Prepare rolling short-term and long-term cash flow forecasts aligned with business plans.
• Ensure timely availability of funds for loan disbursements, operating expenses, and statutory payments.
• Maintain liquidity buffers and trigger early-warning indicators for cash stress.
• Support contingency funding planning.

2. Asset–Liability Management (ALM)

• Prepare ALM statements and maturity gap analysis as per RBI guidelines.
• Monitor structural and short-term liquidity mismatches.
• Conduct stress testing under various scenarios (rate hikes, collection drops, funding delays).
• Present ALM insights and recommendations to ALCO and senior management.
• Support ALCO documentation and compliance.

3. Fund Raising & Liability Strategy

• Plan and execute fund raising from banks, NBFCs, DFIs, mutual funds, and other institutional lenders.
• Support structured funding including term loans, working capital facilities, securitisation, and co-lending.
• Negotiate commercial terms such as pricing, tenure, covenants, and security.
• Ensure diversification of funding sources and manage lender concentration risk.
• Coordinate lender due diligence, documentation, and ongoing reporting.

4. Cost of Funds & Interest Rate Management:

• Track blended and incremental cost of borrowing.
• Optimise borrowing mix between fixed and floating rates.
• Support lending rate and margin optimisation to protect NIM.
• Monitor interest rate movements and assess impact on profitability.

5. Investment & Surplus Fund Management

• Deploy short-term surplus funds into approved, low-risk instruments (T-Bills, G-Secs, liquid and money-market instruments).
• Balance safety, liquidity, and yield.
• Monitor counterparty exposure and maturity profiles.

6.  Regulatory Compliance & Governance

• Ensure compliance with RBI regulations applicable to NBFCs.
• Prepare and submit treasury-related regulatory returns including ALM and liquidity statements.
• Support internal audits, statutory audits, and RBI inspections.
• Maintain treasury policies, SOPs, and internal controls.

7. Stakeholder & Relationship Management

• Act as the primary interface with lenders, investors, trustees, and rating agencies.
• Support credit rating exercises and periodic lender reviews.
• Build long-term institutional relationships critical for scalable funding.

8. MIS, Reporting & Management Support

• Prepare treasury MIS dashboards covering:
• Liquidity position and runway
• ALM gaps
• Cost of funds
• Funding pipeline
• Provide actionable insights to CFO, ALCO, and Board.
• Work closely with Credit, Finance, Risk, and Operations teams.

Key Skills & Competencies

·     Strong understanding of NBFC treasury, ALM, and RBI regulations

·     Fund raising and lender negotiation capability

·     Cash flow forecasting and financial modelling

·     Risk assessment and stress testing

·     Advanced Excel and MIS skills

·     High execution discipline and stakeholder management

·     Willingness to work in individual contributor capacity

Educational Qualification

·     Chartered Accountant (CA) / MBA (Finance) / CFA or equivalent

·     Treasury or Risk Management certifications preferred

Experience

·     5–9 years of experience in Treasury / ALM / Corporate Finance

·     Experience in NBFCs, Banks, or Financial Institutions

·     Prior exposure to early or mid-stage NBFCs is an advantage

·     Hands-on experience with lender interactions and RBI reporting is mandatory