Rupeek - Senior Manager/Associate Director - Treasury/Debt Raise

Senior Manager/ AD - Treasury (Debt Raise)

About Rupeek:

Rupeek, established in 2015 and headquartered in Bangalore, stands as India's leading asset-backed digital lending fintech platform. Committed to making credit accessible to Indians in a fair and convenient manner, Rupeek pioneers innovative financial products focused on monetizing India's $2 trillion gold market. Leveraging state-of-the-art technology and an automated asset-light supply chain, Rupeek is transforming the gold loan disbursal landscape across 40+ cities in India. With a customer base exceeding 5,00,000+, the company's strategic partnerships with top banks and financial institutions underscore its commitment to building gold-backed assets through low-risk, low-touch, and friction-free processes. Rupeek's impressive journey is supported by key investors such as Sequoia Capital, Accel Partners, Bertelsmann, and GGV Capital. Join us in redefining the future of finance through innovation, technology, and a commitment to financial inclusivity.

Position Overview:

As the SM/AD - Treasury, you will play a critical role in shaping and executing treasury strategies. This includes daily cash-flow management, liaising with financial institutions for fresh funding, and overseeing end-to-end execution in fund-raising exercises. Your responsibilities will also encompass debt covenant monitoring, liaison with rating agencies, and managing internal stakeholder requirements.

We are seeking a highly experienced and strategic Head of Treasury to join our dynamic team. The ideal candidate will have a minimum of 7 years of treasury experience in the NBFC/HFC sector, with a strong focus on fund-raising, credit ratings, and relationship management. This role requires expertise in managing relationships with banks, NBFCs, and other market participants, along with a proven track record in successfully raising Non-Convertible Debentures (NCDs).

Job Title: Senior Manager/ AD - Treasury (Debt Raise)

Education: MBA Finance/CA/CFA or equivalent professional degree.

Experience: 7-12 years of relevant experience

Location: Mumbai

Must Have:

- At least 7 years of Treasury (Fund-raising, Ratings) experience in NBFC / HFC (rated BBB to AA)

- Strong banking / NBFC relationships and relationships with market participants like arrangers

- Experience in raising NCDs desirable

- Understanding of liquidity management, ALM, credit ratings

- Strong analytical skills, meticulous and understanding of credit

- General understanding of various borrowing products available in the market

Job Responsibilities:

Strategic Fund-Raising:

- Develop and implement strategic plans for fund-raising activities, ensuring alignment with the company's financial objectives.

- Oversee end-to-end execution in fund-raising exercises, including responding to credit queries, documentation, draw-down processes, and post draw-down compliances.

Relationship Management:

- Cultivate and maintain strong relationships with banks, NBFCs, and market participants, including arrangers.

- Negotiate favorable terms for various financial transactions in collaboration with internal stakeholders.

Non-Convertible Debentures (NCDs):

- Utilize your experience to lead the process of raising Non-Convertible Debentures (NCDs).

- Work closely with legal and compliance teams to ensure regulatory adherence in NCD issuances.

Liquidity Management and ALM:

- Ensure effective liquidity management and implement Asset Liability Management (ALM) strategies.

- Monitor daily cash-flows to optimize fund allocation and mitigate liquidity risks.

Credit Ratings Oversight:

- Manage relationships with rating agencies, providing necessary data to support credit rating objectives.

- Proactively address any issues that may impact the company's credit ratings.

Debt Covenant Monitoring:

- Monitor and track debt covenants, providing periodical data to lenders.

- Implement measures to ensure compliance with debt covenants and mitigate risks.

Stakeholder Management:

- Address and manage the requirements of internal stakeholders, particularly the Accounts & Finance team.

- Handle borrowing-related queries from auditors, ensuring transparency and compliance.

Adherence to Regulatory Guidelines:

- Stay informed about changes in regulatory guidelines related to treasury management and implement necessary adjustments to ensure compliance.

Continuous Process Improvement:

- Actively participate in the identification and implementation of process improvements within the treasury function to enhance efficiency and effectiveness.

Auditor Interaction:

- Facilitate communication with auditors regarding borrowing-related inquiries, providing necessary documentation and information to support audit processes.

Qualifications:

- Minimum of 7 years of treasury experience with a focus on fund-raising, credit ratings, and relationship management, preferably in the NBFC/HFC sector.

- Strong banking and NBFC relationships, including experience with entities rated BBB to AA.

- Proven track record in successfully raising Non-Convertible Debentures (NCDs).

- In-depth understanding of liquidity management, Asset Liability Management (ALM), and credit ratings.

Rupeek Fintech Pvt Ltd is an equal opportunity employer, welcoming applications from candidates of diverse backgrounds and experiences.