Treasury Finance Manager/Lead - NBFC

Position Title: Treasury Finance Manager/Lead - NBFC Location: Mumbai Reporting To: CFO / Head - Finance (NBFC) ABOUT THE ROLE: The Treasury Finance role will be responsible for managing the end-to-end treasury function from a debt perspective, with a strong focus on fund raising, liquidity management, and working capital optimization for the NBFC Group. The role will drive structured debt, non-fund-based limits, and fund-based working capital facilities, while also strengthening treasury operations, MIS, and lender relationships. This position plays a critical role in ensuring sustainable capital availability to support business growth. KEY RESPONSIBILITIES: Debt Raising & Capital Management (Core Focus): - Lead debt raising initiatives including term loans, working capital loans, structured debt, and refinancing opportunities. - Evaluate and onboard lenders (banks, NBFCs, FIIs, AIFs, DFIs) with a clear debt POV aligned to business needs. - Negotiate pricing, covenants, security structures, and documentation for all borrowing arrangements. - Support long-term capital planning and optimize cost of funds for the NBFC. Working Capital & Limits Management: - Structure and manage fund-based limits (CC/WCDL/OD) to support operating requirements. - Manage and enhance non-fund-based limits including LC, BG, and trade finance instruments. - Monitor utilization, renewals, enhancements, and covenant compliance across all limits. - Drive improvements in working capital efficiency from a lender and operational perspective. - Familiar with Direct Assignment, PTC, Securitisation and ARC transactions. Treasury Operations & Cash Flow Management: - Oversee daily treasury operations including cash positioning, fund flows, and bank account management. - Prepare short-term and medium-term cash flow forecasts to ensure liquidity adequacy. - Ensure seamless coordination between treasury, operations, and business teams. MIS, Reporting & Governance: - Develop robust treasury MIS covering borrowings, utilization, cost of funds, maturity profiles, and covenants. - Prepare lender-specific reports, board notes, and management dashboards. - Ensure strong documentation, audit readiness, and adherence to internal treasury SOPs. NBFC Compliance & Stakeholder Management: - Work closely with finance, legal, and compliance teams to ensure adherence to RBI norms applicable to NBFCs. - Act as the primary point of contact for lenders, bankers, rating agencies, and advisors. - Support credit rating processes and periodic reviews. Process Improvement & SOPs: - Streamline treasury processes and introduce best practices in controls, reporting, and automation. - Establish and improve SOPs across treasury and debt management functions. KEY COMPETENCIES: - Strong debt and capital structuring mindset with hands-on execution ability. - Excellent lender relationship and negotiation skills. - High ownership, operational rigor, and attention to detail. - Ability to work in a fast-paced, growth-oriented NBFC environment. - Strong analytical, MIS, and stakeholder management capabilities. QUALIFICATIONS & EXPERIENCE: - Qualification: CA / MBA (Finance) / CFA preferred. - Experience: 6 - 10 years of relevant experience in treasury, debt raising, or corporate finance. - Industry Exposure: NBFC / Financial Services / Agri-finance / Structured Finance preferred. - Skill Set: Strong understanding of debt instruments, working capital structures, RBI regulations, and lender negotiations.