Treasury Manager

Job Title: Treasury ManagerDepartment: Treasury / FinanceLocation: Corporate Office (India)Reporting To: Head – Treasury / Chief Financial Officer1. Position OverviewThe 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 ResponsibilitiesA. 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.If interested, then replay back with your updated CV