Description:

Who we are:

FlexiLoans is a technology based Digital financing platform started with an endeavor to solve the problems that small businesses face in accessing Quick, Flexible and Adequate funds for growing their Businesses.

Our vision is to give "Financial access at a click".

Our talent pool has rockstars from diverse backgrounds - ex- Founders, investment bankers, e-commerce and payments with the passion to make a difference to the lives of 70 mn+ MSME businesses in India.

FlexiLoans.com is a pioneer in the ecosystem-based digital lending for small businesses in India.

Till date, we have disbursed over 100,000+ loans worth over Rs. 5,000 Crs+ to small sized businesses across 3,200+ cities without having a single branch! We are the leaders in using technology and risk models that focus on alternate / surrogate methods for scoring customers.

Our origination is 100% digital with over 100 embedded partnerships like Amazon, Flipkart, Nykaa, Paytm, Paisabazaar, META, etc. for providing credit access to MSME businesses.

Founded by CA/ISB alumni, FlexiLoans is funded by marquee funds and HNIs in the form of MAJ invest, Fasanara Capital, Sanjay Nayar (Founder - Sorin Investments, Chairman - KKR India and Ex-CEO, Citibank South Asia), Dr. Harry Banga (Founder, Caravel group), Yogesh Mahansaria (Founder, Alliance Tyres) Gunit Chaddha (Ex-CEO, Deutsche Bank, Asia Pacific), Anil Jaggia (Ex-CIO, HDFC Bank), Vikram Sud (Ex-COO, Kotak Mahindra Bank), Narayan Seshadri (Ex-Managing Partner, KPMG), Gopal Srinivasan (Chairman, TVS Capital) and Siddharth Parekh (Co-Founder, Paragon Partners) to name a few.

Our product offerings and value proposition can be accessed on our website: https://www.flexiloans.com

The role in a gist:

The Senior Manager/AVP Treasury (Front Office) will lead the companys end-to-end fundraising, lender relationship management, liquidity monitoring, and credit rating processes.

The role requires strong analytical acumen, stakeholder management, and an ability to drive timely and compliant treasury operations in a fast-growing NBFC environment.

Key Responsibilities:

- Fundraising & Lender Relationship Management

1. Lead end-to-end debt fundraising across term loans, NCDs, and structured facilities, including negotiation of borrowing terms and execution of financing documents.

- Manage and strengthen relationships with existing lenders while onboarding new banks/NBFCs to diversify borrowing sources.

- Lead the entire credit rating lifecycle including data compilation, submission of rating templates, and coordination of management engagements with rating agencies.

- Liquidity Management & Treasury Operations

1. Monitor, review, and guide preparation of Daily Cash Flow / Fund Flow statements to assess liquidity needs and determine investible surplus.

- Deploy surplus funds in Mutual Funds and Bank Deposits to generate returns aligned with treasury policies.

- Support liquidity planning, interest cost optimization, and short-term investment strategies.

- Treasury Master Data Management

1. Own and update the Treasury Master Data Filea comprehensive repository of all borrowing details, lender data, repayment schedules, covenants, and limits.

- Ensure accuracy, completeness, and timely availability of treasury MIS for management and auditors.

- Play a key role in transitioning from manual Excel-based processes to automated treasury platforms, improving accuracy and efficiency.

- Conduct periodic internal treasury checks over borrowing utilization, covenant tracking, reporting accuracy, and documentation completeness.

- Identify control gaps, propose process improvements, and support policy updates.

- Coordinate with ASM, stock auditors, internal auditors, and statutory auditors for treasury-related audits and reviews.

- Cross-Functional Coordination

1. Liaise with Risk, Operations, HR, Finance, and other teams for periodic lender data requests.

= Coordinate preparation of investor decks, lender presentations, and pitch materials used during fundraising and rating discussions.

- Compliance & Lender Reporting Management

1. Ensure timely submission of all monthly, quarterly, and annual covenant compliance certificates and operational/financial MIS to lenders and rating agencies.

- Ensure compliance with sanction conditions, regulatory expectations, and internal controls.

- Prepare and present ALCO Decks covering liquidity position, interest rate sensitivity, funding mix, structural gaps, and risk trends.

- Track key metrics including liquidity buffers, short-term mismatches, borrowing costs, and rolling liquidity forecas

Qualifications & Experience:

- MBA (Finance), CA, CFA Level II/III or equivalent preferred.

- 4 - 6 years of relevant experience in Treasury, Capital Markets, or Debt Syndication within NBFCs, Banks, FinTechs, or Corporate Treasury.

- Strong understanding of debt markets, credit appraisal, lender due-diligence processes, and credit rating methodologies.

- Hands-on experience with financial modelling, cash flow planning, and treasury MIS.

Key Skills:

- Excellent negotiation and relationship management skills.

- Strong analytical ability and understanding of liquidity/interest rate risk.

- High proficiency in Excel, PowerPoint, and treasury systems/calculators.

- Exceptional communication, presentation, and stakeholder handling skills.

- Process-oriented with strong attention to detail and compliance mindset.

- Preference for early joiners with shorter notice periods.

Why Join Us:

- Opportunity to work directly with senior leadership on strategic fundraising initiatives.

- Exposure to diverse lenders, capital markets, and structured financing transactions.

- Chance to build and strengthen treasury systems, processes, and governance in a high-growth NBFC.

- Fast-track career progression in a dynamic and expanding financial institution