Position Title: Treasury Finance Manager/Lead - NBFC

Location: Mumbai

Reporting To: CFO / Head - Finance (NBFC)

ABOUT THE ROLE:

The Treasury Finance role will be responsible for managing the end-to-end treasury function from a debt perspective, with a strong focus on fund raising, liquidity management, and working capital optimization for the NBFC Group. The role will drive structured debt, non-fund-based limits, and fund-based working capital facilities, while also strengthening treasury operations, MIS, and lender relationships. This position plays a critical role in ensuring sustainable capital availability to support business growth.

KEY RESPONSIBILITIES:

Debt Raising & Capital Management (Core Focus):

- Lead debt raising initiatives including term loans, working capital loans, structured debt, and refinancing opportunities.

- Evaluate and onboard lenders (banks, NBFCs, FIIs, AIFs, DFIs) with a clear debt POV aligned to business needs.

- Negotiate pricing, covenants, security structures, and documentation for all borrowing arrangements.

- Support long-term capital planning and optimize cost of funds for the NBFC.

Working Capital & Limits Management:

- Structure and manage fund-based limits (CC/WCDL/OD) to support operating requirements.

- Manage and enhance non-fund-based limits including LC, BG, and trade finance instruments.

- Monitor utilization, renewals, enhancements, and covenant compliance across all limits.

- Drive improvements in working capital efficiency from a lender and operational perspective.

- Familiar with Direct Assignment, PTC, Securitisation and ARC transactions.

Treasury Operations & Cash Flow Management:

- Oversee daily treasury operations including cash positioning, fund flows, and bank account management.

- Prepare short-term and medium-term cash flow forecasts to ensure liquidity adequacy.

- Ensure seamless coordination between treasury, operations, and business teams.

MIS, Reporting & Governance:

- Develop robust treasury MIS covering borrowings, utilization, cost of funds, maturity profiles, and covenants.

- Prepare lender-specific reports, board notes, and management dashboards.

- Ensure strong documentation, audit readiness, and adherence to internal treasury SOPs.

NBFC Compliance & Stakeholder Management:

- Work closely with finance, legal, and compliance teams to ensure adherence to RBI norms applicable to NBFCs.

- Act as the primary point of contact for lenders, bankers, rating agencies, and advisors.

- Support credit rating processes and periodic reviews.

Process Improvement & SOPs:

- Streamline treasury processes and introduce best practices in controls, reporting, and automation.

- Establish and improve SOPs across treasury and debt management functions.

KEY COMPETENCIES:

- Strong debt and capital structuring mindset with hands-on execution ability.

- Excellent lender relationship and negotiation skills.

- High ownership, operational rigor, and attention to detail.

- Ability to work in a fast-paced, growth-oriented NBFC environment.

- Strong analytical, MIS, and stakeholder management capabilities.

QUALIFICATIONS & EXPERIENCE:

- Qualification: CA / MBA (Finance) / CFA preferred.

- Experience: 6 - 10 years of relevant experience in treasury, debt raising, or corporate finance.

- Industry Exposure: NBFC / Financial Services / Agri-finance / Structured Finance preferred.

- Skill Set: Strong understanding of debt instruments, working capital structures, RBI regulations, and lender negotiations.