Job Role:
The Manager Treasury will be responsible for ensuring uninterrupted liquidity, securing diversified funding, managing ALM (asset-liability management) risks, and maintaining regulatory compliance in a fast-growing NBFC environment.
This role is execution-oriented and directly impacts the company's ability to disburse loans, scale safely, and survive market volatility.
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 buQers and trigger early-warning indicators for cash stress.
- Support contingency funding planning.
2. AssetLiability 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
- 59 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
