Treasury Specialist

Shift Timing: 6:30 PM – 3:30 AM IST (US Shift)

Department: Treasury / Finance Operations

Industry: Commercial Real Estate

Employment Type: Full-time

About the Role:

We are seeking a detail-oriented and proactive Treasury Operations Analyst to join our growing business. This role is critical in ensuring the smooth execution of daily cash operations, reconciliation, and fund movements across multiple banking platforms. You will work closely with operations and external banking partners to support end-to-end treasury functions.

Key Responsibilities:

• Process Incoming Payments: Accurately apply borrower payments (ACH, wire, checks, online transfers) to respective loan accounts in a timely manner.

• Payment Matching & Allocation: Match payments against open receivables, ensuring correct allocation to principal, interest, fees, or escrow accounts.

• Exception Handling: Investigate and resolve unapplied or misapplied payments, short pay, overpayments, and payment reversals.

• Customer Account Updates: Ensure borrower accounts reflect accurate payment history and balance post-application.

• Manage daily cash positioning and liquidity across multiple accounts and entities.

• Process and monitor loan disbursements, repayments, and interest payments.

• Communication & Coordination: Liaise with internal servicing teams to resolve payment-related queries.

• Process Improvement: Assist in automation and process improvement initiatives within treasury operations.

• System Utilization: Operate within loan servicing platforms and ERP systems to manage and track payment applications.

• Reporting & Analysis: Generate daily, weekly, and monthly reports on metrics, exceptions, and trends.

• Compliance & Documentation: Maintain audit-ready documentation for all cash application activities in line with regulatory and internal policy standards.

• Support internal audits and quality control reviews by providing necessary documentation and insights.

• Contribute to the development of SOPs and training materials for servicing operations.

Qualifications & Skills:

• Bachelor's degree in finance, Accounting, or a related field (MBA/CA Inter preferred).

• 2–4 years of experience in treasury operations, preferably in a loan servicing or financial services environment.

• Strong understanding of cash management, banking operations, and financial controls.

• Proficiency in MS Excel and experience with ERP (Enterprise) platforms.

• Excellent analytical, problem-solving, and communication skills.

• Ability to work independently in a fast-paced, deadline-driven environment.

• Willingness to work in US shift hours (6:30 PM – 3:30 AM IST).

Preferred Qualifications:

• Experience with U.S. financial institutions or loan servicing platforms.

• Familiarity with ACH, wire transfers, and other payment systems.

• Exposure to regulatory compliance in financial operations.