Treasury (Debt Raise)_Fintech / NBFC

About Rupeek :

Rupeek, established in 2015 and headquartered in Bangalore, stands as India's leading asset-backed digital lending fintech platform. Committed to making credit accessible to Indians in a fair and convenient manner, Rupeek pioneers innovative financial products focused on monetizing India's $2 trillion gold market. Leveraging state-of-the-art technology and an automated asset-light supply chain, Rupeek is transforming the gold loan disbursal landscape across 40+ cities in India. With a customer base exceeding 5,00,000+, the company's strategic partnerships with top banks and financial institutions underscore its commitment to building gold-backed assets through low-risk, low-touch, and friction-free processes. Rupeek's impressive journey is supported by key investors such as Sequoia Capital, Accel Partners, Bertelsmann, and GGV Capital. Join us in redefining the future of finance through innovation, technology, and a commitment to financial inclusivity.

Job Title :

Director / Associate Director - Treasury (Head – Treasury)

Education :

MBA Finance / CA / CFA or equivalent professional degree.

Experience :

8+ years of relevant experience

Location : Mumbai / Bangalore

Must Have :

At least 5 years of Treasury (Fund-raising, Ratings) experience in NBFC / HFC (rated BBB to AA)

Strong banking / NBFC relationships and relationships with market participants like arrangers

Experience in raising NCDs desirable

Understanding of liquidity management, ALM, credit ratings

Strong analytical skills, meticulous and understanding of credit

General understanding of various borrowing products available in the market

Position Overview :

The role will play a critical role in shaping and executing treasury strategies and shall include the following key responsibilities :

Build relationships with lenders through regular meetings and sharing information decks. Relationship management extending beyond transactional deals and focus more on long-term sustainable relationships

Fund-raising from across various lender classes / investor classes - Banks, NBFCs, AIFs, Venture Debt funds, HNI / family offices, etc

Sourcing funds through multiple instruments such as Term Loans, NCDs, structured borrowings, etc

Understanding of Cost of funds and structuring borrowings basis XIRR and rationalising transaction costs

Cash Flow management and active building of debt pipeline. Anticipate market events impacting liquidity at macro level and for lenders, which in turn can impact Rupeek borrowings

ALM reporting, Conduct of ALCO meeting with proper agenda and ensuring debt strategy, liquidity situation, interest rate sensitivities are discussed and decisions initiated

Manage the Credit ratings of the Company. Initiate discussion with other rating agencies to explore scope for rating upgrade. Sensitise leadership teams internally on key asks for rating upgrades

Ensure complete compliance of all debt covenants and other terms and conditions of debt

Work closely with internal stakeholders for timely RBI compliance, financial closing and audits.

Candidate Profile :

Ideal candidate should be from NBFC / HFC / Fintech background

Fund-raising experience ranging across treasury products

Minimum 9 / 10 years of Treasury experience

Have a strong focus on fund-raising, credit ratings, and relationship management.

Role requires expertise in managing relationships with banks, NBFCs, and other market participants such as AIF, HNIs, Private credit funds, etc

Strong relationships with Arrangers for NCDs

Candidate should have understanding of RBI regulations for NBFC including permissible instruments, ALM Guidelines, etc

Understanding of key ratios such as CRAR, PAR, D / E and analytics on Portfolio, Static Pool

Candidate should have raised funds through Listed NCDs and have a good understanding of SEBI Regulations,

Should be very good in understanding the business and translate the same into extensive detailing with prospective investors, rating agencies

Entrepreneurial mindset

Strong in communication skills and analytical skills

Detailed Job Responsibilities :

Strategic Fund-Raising :

Develop and implement strategic plans for fund-raising activities, ensuring alignment with the company's financial objectives.

Oversee end-to-end execution in fund-raising exercises, including responding to credit queries, documentation, draw-down processes, and post draw-down compliances.

Relationship Management :

Cultivate and maintain strong relationships with banks, NBFCs, and market participants, including arrangers.

Negotiate favorable terms for various financial transactions in collaboration with internal stakeholders.

Non-Convertible Debentures (NCDs) :

Utilize your experience to lead the process of raising Non-Convertible Debentures (NCDs) in Listed / Unlisted space.

Work closely with legal and compliance teams to ensure regulatory adherence in NCD issuances.

Liquidity Management and ALM :

Ensure effective liquidity management and implement Asset Liability Management (ALM) strategies.

Monitor daily cash-flows to optimize fund allocation and mitigate liquidity risks.

Credit Ratings Oversight :

Manage relationships with rating agencies, providing necessary data to support credit rating objectives.

Proactively address any issues that may impact the company's credit ratings.

Debt Covenant Monitoring :

Monitor and track debt covenants, providing periodical data to lenders.

Implement measures to ensure compliance with debt covenants and mitigate risks.

Manage corrective measures including negotiate curing periods, waivers with lenders

Stakeholder Management :

Address and manage the requirements of internal stakeholders, particularly the Accounts & Finance team.

Handle borrowing-related queries from auditors, ensuring transparency and compliance.

Ensure proper dissemination of periodic MIS to lenders, and handle post disbursal monitoring

Adherence to Regulatory Guidelines :

Stay informed about changes in regulatory guidelines related to treasury management and implement necessary adjustments to ensure compliance.

Rupeek Fintech Pvt Ltd is an equal opportunity employer, welcoming applications from candidates of diverse backgrounds and experiences.