Roles and Responsibilities:

Fund Raising:

- Preparation and execution of application and various requirement of lenders for arranging the funds through Banks / NBFCs / NCDs.

- Interaction and negotiating with bankers / investors for executing the transaction timely within the COF indication.

- Reviewing and finalization of borrowing documents and ensuring timely disbursement.

- Analyzing and preparing the documents and other documents required for successful closure of the proposal in banks. Preparing Information Memorandum and Teaser notes, financial models.

Debt Management:

- Timely repayment of all debt obligations & Debt or liability repayment confirmations/follow up for any overdue reporting.

- Covenant tracking for various lenders.

- Monthly/Quarterly/Half yearly/Annual reporting to investors/lenders/other stakeholders.

- Manage due diligence by lenders, provide information about the company in a precise, compelling manner on a timely basis.

- Managing the Stock audits of the lenders by coordinating with the various internal Stakeholders.

Co-Lending & Strategic Partnerships:

- Lead co-lending initiatives with Banks and Financial Institutions to support business expansion.

- Manage end-to-end execution of co-lending arrangements from onboarding to implementation and product go-live.

- Ensure timely submission of MIS, portfolio reports, and compliance reports to partner institutions.

- Monitor operational efficiency and profitability of co-lending partnerships.

Treasury Operations & Liquidity Management:

- Monitor daily cash flow, liquidity position, and working capital requirements.

- Prepare short-term and long-term cash flow forecasts.

- Optimize utilization of banking limits and treasury resources.

- Manage surplus funds through appropriate investment strategies while ensuring liquidity.

- Monitor interest rate movements and recommend suitable borrowing and investment strategies.

- Develop policies for treasury risk management, including liquidity, refinancing, and interest rate risks.

Financial Accounting & Reporting:

- Oversee the preparation of Monthly, Quarterly, and Annual Financial Statements.

- Ensure accuracy of General Ledger, Trial Balance, Balance Sheet, Profit & Loss Account, and Cash Flow Statements.

- Ensure compliance with applicable Accounting Standards, Companies Act, RBI guidelines, and other statutory requirements.

- Lead month-end and year-end financial closing processes.

Financial Planning, Budgeting & Business Analysis:

- Lead annual budgeting and periodic forecasting exercises.

- Monitor budget performance and analyze financial variances.

- Develop financial models to support strategic initiatives and business expansion.

- Prepare profitability analysis and business performance reports for senior management and the Board.

- Provide financial insights to support strategic decision-making.

Taxation & Regulatory Compliance:

- Ensure compliance with GST, TDS, Income Tax, Companies Act, RBI regulations, and other statutory requirements.

- Oversee timely filing of statutory returns and regulatory submissions.

- Manage tax assessments, departmental notices, and compliance audits.

- Implement effective tax planning strategies within the regulatory framework.

Audit & Internal Controls:

- Lead Statutory Audit, Internal Audit, Tax Audit, Secretarial Audit, and regulatory inspections.

- Strengthen internal financial controls and governance frameworks.

- Ensure timely closure of audit observations and implementation of corrective actions.

- Develop and monitor financial risk management practices.

MIS & Financial Reporting:

- Prepare comprehensive Management Information System (MIS) reports and financial dashboards.

- Present monthly, quarterly, and annual financial performance reports to senior management and the Board.

- Develop Key Performance Indicators (KPIs) for treasury and finance functions.

- Drive automation and process improvements in financial reporting.

J. Stakeholder Management:

- Liaise with Banks, NBFCs, Financial Institutions, Investors, Rating Agencies, Auditors, Regulators, Trustees, and Government Authorities.

- Coordinate effectively with internal stakeholders including Operations, Credit, Risk, Compliance, Legal, HR, IT, and Business teams.

- Support fundraising, strategic initiatives, Board presentations, and investor relations.

K. Team Leadership & Governance:

- Lead, mentor, and develop the Treasury, Finance, and Accounts teams.

- Establish robust financial policies, SOPs, and governance frameworks.

- Drive digital transformation and automation within finance and treasury operations.

- Ensure high standards of ethics, compliance, and financial discipline across the organization.

Key Skills & Competencies:

- Treasury & Liquidity Management

- Fund Raising & Capital Structuring

- Debt Management

- Co-Lending & Structured Finance

- Financial Planning & Analysis (FP&A)

- Budgeting & Forecasting

- Financial Reporting & Accounting

- Cash Flow & Working Capital Management

- Taxation & Regulatory Compliance

- Audit & Internal Controls

- Financial Modelling & Valuation

- Banking & Investor Relationship Management

- Risk Management

- Leadership, Negotiation & Strategic Decision-Making

Key Performance Indicators (KPIs):

- Timely and cost-effective fund raising.

- Optimization of Cost of Funds (COF).

- 100% compliance with lender covenants and statutory regulations.

- Timely debt servicing and reporting.

- Effective liquidity and working capital management.

- Accuracy and timeliness of financial reporting and MIS.

- Successful audit completion with minimal observations.

- Improvement in treasury efficiency and financial governance.

- Strengthening banking, investor, and stakeholder relationships.

- Contribution to profitability, operational efficiency, and sustainable business growth.