Treasury Operations Head

Job Purpose:

The Treasury Operations Head will be responsible for managing the company's liquidity, investments settlements, debt servicing, invoice processing, covenants monitoring and all other post funding activities including risk management and regulatory compliances within the Treasury function. This role requires deep expertise in NBFC back-office operations, regulatory frameworks and financial markets to optimize capital efficiency and ensure sustainable growth.

Key Responsibilities:

• Prepare and monitor daily cash flows, liquidity positions and funding requirements across diverse business verticals
• Design and implement comprehensive liquidity management strategies aligned with multi-vertical business objectives including digital lending, housing finance, MSME loans and payment services operations.
• Optimize investments through deployment of surplus funds into diverse sources including mutual funds, term deposits, G-Secs/ T-Bills, NCDs, CPs and other money market instruments in accordance with the Investments policy.
• Establish and monitor comprehensive Asset-Liability Management (ALM) framework covering diverse portfolios including digital lending, housing finance and MSME loans.
• Prepare and submit regulatory returns (ALM returns, Liquidity returns, etc.) accurately and timely.
• Maintaining ALM dashboard, debt profile and monthly borrowing MIS along with reporting MTM on O/s market positions.
• Conduct cost of funds, prepayment analysis to optimize funding costs.
• Provide insights on market trends, interest rate movements, and their impact on business.
• Conduct stress testing and scenario analysis across various debt products and market conditions.
• Preparation and submission of various compliances and overview of monthly due principal/ interest payments.
• Ensure compliance with specific regulatory guidelines (RBI, SEBI, FEMA etc.), the Companies Act and other applicable laws.
• Maintain regulatory ratios including Capital Adequacy, Leverage Liquidity Coverage Ratio (LCR) and other internal risk limits.
• Stay updated with regulatory changes and implement necessary policy modifications.
• Lead treasury digitization initiatives and process improvements.
• Ensure seamless coordination with Finance, Credit, Operations, Business and Compliance teams.
• Liasion and maintain relationships with operations/ mid-back office teams of banks, financial institutions, rating agencies, RTA, IPA and other stakeholders.
• Treasury accounts reconciliation, coordinate with internal and external auditors for treasury-related audits.
• Lead and mentor a team of Treasury Ops professionals.

Required Qualifications:

Education

• CA/ CFA or MBA (Finance) from premier institution
• Professional certifications in treasury management (FRM, PRM) preferred

Experience

• 12-15 years of progressive experience in treasury operations with multi-vertical NBFC exposure.
• Minimum 8 years of experience in NBFCs with diversified lending portfolios.
• Preferred Experience in Multiple Verticals:
• Treasury back-office operations in Banks, NBFC, HFC etc.
• Digital lending platforms and fintech operations
• Housing finance operations
• Experience in managing treasury for organizations with AUM of ₹5,000+ crores across multiple asset classes.
• Proven track record in fund raising for different business verticals and debt market operations.

Technical Skills

• Deep understanding of RBI regulations applicable to NBFCs across multiple verticals (NBFC, HFC, PPI guidelines).
• Expertise in ALM for diversified portfolios including secured and unsecured lending.
• Knowledge of regulatory frameworks for digital lending, housing finance, and payment services.
• Experience with segment-specific funding instruments and capital requirements.
• Proficiency in treasury management systems and financial modeling for multi-vertical operations.
• Strong knowledge of debt capital markets and various funding instruments across different asset classes.
• Experience with rating processes covering diversified business portfolios.
• Understanding of fintech operations and digital payment ecosystems.

Leadership Skills

• Strong analytical and problem-solving abilities
• Excellent communication and presentation skills
• Ability to work under pressure and manage multiple priorities
• Strategic thinking with attention to operational details

Key Performance Indicators

• Investments optimization across different short term and money market instruments ensuring diversification.
• Maintenance of regulatory ratios within prescribed limits for all applicable policies.
• Liquidity management efficiency considering seasonal variations across lending segments.
• Portfolio-specific risk mitigation and ALM effectiveness.
• Cross-vertical funding cost optimization and capital allocation efficiency.
• Team development and succession planning.
• Multi-regulatory compliance track record (NBFC, HFC, PPI regulations).
• Stakeholder relationship management across diverse funding sources, intermediaries and business partners.