Treasury Manager

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 : 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 jyotiverma@olivegreenconsulting.com