Treasury Manager

Job Description Job Title: Treasury Manager Department: Treasury / Finance Location: Corporate Office (India) Reporting To: Head Treasury / Chief Financial Officer 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: 110 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 [Confidential Information]