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Position Title: Treasury Finance Manager/Lead – NBFC
Location: Mumbai
Reporting To: CFO / Head – Finance (NBFC)
ABOUT THE ROLE:
The Treasury Finance role will be responsible for managing the end-to-end treasury function from a debt perspective, with a strong focus on fund raising, liquidity management, and working capital optimization for the NBFC Group. The role will drive structured debt, non-fund-based limits, and fund-based working capital facilities, while also strengthening treasury operations, MIS, and lender relationships. This position plays a critical role in ensuring sustainable capital availability to support business growth.
KEY RESPONSIBILITIES:
Debt Raising & Capital Management (Core Focus):
– Lead debt raising initiatives including term loans, working capital loans, structured debt, and refinancing opportunities.
– Evaluate and onboard lenders (banks, NBFCs, FIIs, AIFs, DFIs) with a clear debt POV aligned to business needs.
– Negotiate pricing, covenants, security structures, and documentation for all borrowing arrangements.
– Support long-term capital planning and optimize cost of funds for the NBFC.
Working Capital & Limits Management:
– Structure and manage fund-based limits (CC/WCDL/OD) to support operating requirements.
– Manage and enhance non-fund-based limits including LC, BG, and trade finance instruments.
– Monitor utilization, renewals, enhancements, and covenant compliance across all limits.
– Drive improvements in working capital efficiency from a lender and operational perspective.
– Familiar with Direct Assignment, PTC, Securitisation and ARC transactions.
Treasury Operations & Cash Flow Management:
– Oversee daily treasury operations including cash positioning, fund flows, and bank account management.
– Prepare short-term and medium-term cash flow forecasts to ensure liquidity adequacy.
– Ensure seamless coordination between treasury, operations, and business teams.
MIS, Reporting & Governance:
– Develop robust treasury MIS covering borrowings, utilization, cost of funds, maturity profiles, and covenants.
– Prepare lender-specific reports, board notes, and management dashboards.
– Ensure strong documentation, audit readiness, and adherence to internal treasury SOPs.
NBFC Compliance & Stakeholder Management:
– Work closely with finance, legal, and compliance teams to ensure adherence to RBI norms applicable to NBFCs.
– Act as the primary point of contact for lenders, bankers, rating agencies, and advisors.
– Support credit rating processes and periodic reviews.
Process Improvement & SOPs:
– Streamline treasury processes and introduce best practices in controls, reporting, and automation.
– Establish and improve SOPs across treasury and debt management functions.
KEY COMPETENCIES:
– Strong debt and capital structuring mindset with hands-on execution ability.
– Excellent lender relationship and negotiation skills.
– High ownership, operational rigor, and attention to detail.
– Ability to work in a fast-paced, growth-oriented NBFC environment.
– Strong analytical, MIS, and stakeholder management capabilities.
QUALIFICATIONS & EXPERIENCE:
– Qualification: CA / MBA (Finance) / CFA preferred.
– Experience: 6 – 10 years of relevant experience in treasury, debt raising, or corporate finance.
– Industry Exposure: NBFC / Financial Services / Agri-finance / Structured Finance preferred.
– Skill Set: Strong understanding of debt instruments, working capital structures, RBI regulations, and lender negotiations.
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