Treasury Operations Leader

Are you a seasoned professional with expertise in managing treasury operations? Do you have a passion for optimizing capital efficiency and ensuring sustainable growth?

This is an exciting opportunity to join our organization as a Treasury Operations Head, where you will be responsible for managing the company's liquidity, investments settlements, debt servicing, invoice processing, covenants monitoring, and all other post-funding activities within the Treasury function.

• 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.
• Maintain ALM dashboard, debt profile, and monthly borrowing MIS along with reporting MTM on O/s market positions.
• Conduct cost of funds and 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.
• Liaise 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.

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.

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.

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.

• 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.