Job Title: Treasury Manager

Department: Treasury / Finance

Location: Corporate Office (Hyderabad)

Reporting To: Head - Treasury / Chief Financial Officer

NBFC Exp mandatory

1. Position Overview:

The Treasury Manager will be responsible for managing the end-to-end treasury operations of the Housing Finance Company, including liquidity management, fund-raising, banking relationships, ALM (Asset Liability Management), investment of surplus funds, and compliance with regulatory requirements (RBI/NHB). The role requires strong analytical skills, understanding of financial markets, and experience in handling borrowings specific to NBFC/HFC sectors.

2. Key Responsibilities:

A. Fund-Raising & Liability Management:

- Manage sourcing of funds through multiple instruments: term loans, bank lines, NCDs, CPs, refinance from NHB/SIDBI, securitisation/DA, co-lending arrangements, etc.

- Prepare borrowing proposals, conduct discussions with lenders, rating agencies, trustees, and other stakeholders.

- Ensure timely renewals/enhancements of working capital limits and credit lines.

- Monitor borrowing costs and evaluate opportunities to optimise cost of funds.

B. Liquidity & Cash Flow Management:

- Maintain adequate liquidity to meet business disbursement requirements and debt obligations.

- Daily cash flow monitoring and forecasting of short-term/long-term liquidity gaps.

- Optimise utilisation of available limits and investment of surplus funds in approved instruments.

C. ALM (Asset Liability Management) & Risk Monitoring:

- Prepare monthly ALM statements and work with ALCO for review of mismatches.

- Monitor interest rate risks, liquidity risks, concentration risks, and recommend mitigation strategies.

- Coordinate with risk and finance teams for regulatory reporting related to liquidity and ALM.

D. Treasury Operations & Controls:

- Supervise treasury back-office operations including documentation, fund drawdowns, repayments, and reconciliations.

- Ensure compliance with RBI/NHB guidelines, internal policies, and audit requirements.

- Oversee investment operations (if applicable), ensuring adherence to risk and compliance frameworks.

E. Banking & External Stakeholder Management:

- Maintain strong relationships with banks, financial institutions, rating agencies, and investors.

- Support rating exercise by preparing data, financial models, and trend analysis.

- Liaise with auditors, trustees, and legal counsel for treasury-related matters.

F. Treasury Reporting & Analysis:

- Prepare MIS reports on borrowing profile, leverage, liquidity, cost of funds, maturities, etc.

- Support budgeting and financial planning with treasury cost forecasts.

- Provide insights to management for decision-making on funding strategy and capital allocation.

3. Qualifications & Experience:

- Education: MBA (Finance), CA, CFA, or equivalent preferred.

- Experience: 1-10 years of experience in Treasury, preferably in NBFC/HFC/Banking.

- Strong familiarity with HFC/NBFC regulatory framework, credit markets, and funding instruments.

- Experience in interacting with banks/FIs, trustees, rating agencies, and regulators.

4. Skills & Competencies:

- Strong analytical and financial modelling skills.

- In-depth understanding of debt capital markets, treasury systems, and cash management.

- Strong negotiation and stakeholder management skills.

- High attention to detail, accuracy, and adherence to controls.

- Excellent communication, presentation, and documentation skills.

- Proficiency in MS Excel, MIS tools, and treasury management systems.

5. Key Performance Indicators (KPIs):

- Cost of funds optimisation.

- Timeliness and adequacy of fund availability.

- ALM gap compliance and liquidity ratios.

- Efficient utilisation of limits and reduction in idle funds.

- Accuracy and timeliness of reporting.

- Audit and compliance ratings with no major observations.