Treasury - Compliance and Operations

Brief of role:

To support and manage day-to-day treasury operations, including repayment planning, borrowing and limit monitoring, asset allocation, DA payouts, NACH coordination, banking activities, treasury MIS, liquidity risk management, and regulatory/compliance requirements.

The role will ensure accurate, timely, and well-controlled treasury transactions, effective utilisation of borrowing facilities, proper reconciliation of financial data, and seamless coordination with banks, internal stakeholders, auditors, and other external agencies.

Key Responsibilities

1.Repayment & Borrowing Management

• Prepare and maintain repayment schedules covering principal, interest, and other applicable charges.
• Coordinate with banks and internal teams for timely processing of repayments.
• Ensure repayment data is accurately recorded and reconciled with books, bank statements, and internal MIS.
• Monitor upcoming repayment obligations and highlight funding requirements in advance.
• Support management in effective utilisation and monitoring of borrowing facilities.

2. DA Payout & Transaction Management

• Coordinate DA payouts and ensure timely processing of transactions.
• Validate transaction calculations and supporting documentation before processing.
• Coordinate with relevant internal teams and banking partners for transaction closure.
• Resolve transaction-related discrepancies and queries.
• Provide necessary support during internal and external audits.

3. Treasury MIS & Data Validation

• Prepare daily, monthly, and periodic Treasury MIS.
• Maintain MIS covering Borrowings,Repayments,Cash flows,Disbursements,Collection Efficiency,Portfolio cuts,Other key treasury parameters
• Obtain and validate data from various internal teams.
• Ensure accuracy, completeness, and timely submission of MIS.
• Reconcile MIS data with books of accounts and relevant source documents.

4. Asset Allocation & Reconciliation

• Monitor allocation of assets against respective funding facilities and transactions.
• Ensure proper mapping of assets to borrowing/funding arrangements.
• Conduct periodic reconciliation of asset allocation.
• Identify and resolve mismatches, excess allocation, or double allocation.
• Maintain appropriate records and supporting documentation.

5. Compliance Management

• Track and complete monthly and quarterly treasury-related compliance requirements within prescribed timelines.
• Coordinate with relevant internal teams, banks, auditors, and other stakeholders for required data and documents.
• Ensure timely submission of certificates, statements, reports, and supporting documents.
• Maintain a compliance tracker and proactively highlight pending or upcoming requirements.

6. Liquidity Risk Management (LRM)

• Support activities related to Liquidity Risk Management.
• Assist in preparation and monitoring of liquidity-related reports and data.
• Track cash inflows and outflows and support assessment of liquidity requirements.
• Highlight potential liquidity gaps and upcoming funding requirements to the relevant stakeholders.
• Ensure timely availability and accuracy of data required for LRM reporting.

7. NACH Coordination

• Coordinate with the Operations team for NACH mandate setup and activation.
• Ensure mandates are processed and made live within defined timelines.
• Monitor mandate-related issues and coordinate with relevant teams for resolution.
• Provide ongoing operational support for NACH-related requirements.

8. New Bank Account Opening & Banking Operations

• Assist in opening and activating new bank accounts as per business requirements.
• Coordinate KYC, documentation, account activation, and related formalities.
• Maintain appropriate records of bank accounts and ensure correct mapping.
• Coordinate execution of required documentation for API/banking integrations.
• Liaise with banks and internal stakeholders for account-related requirements.

9. Limit Utilisation Monitoring

• Monitor sanctioned, utilised, and available limits across various borrowing facilities.
• Maintain facility-wise limit utilisation records.
• Ensure timely reporting of utilisation levels to relevant stakeholders.
• Proactively highlight excess utilisation, low availability, or upcoming limit requirements.
• Support effective utilisation of available borrowing limits.

10. Annexure 1 & Regulatory Reporting

• Prepare and submit Annexure 1 within prescribed timelines.
• Validate underlying data before submission.
• Ensure figures are accurate and reconciled with books of accounts and Treasury MIS.
• Coordinate with relevant teams for data and supporting documents.
• Maintain proper records for audit and future reference.

11. Audit & Internal Controls

• Support internal, statutory, lender, and other audits relating to treasury activities.
• Provide required documents, reconciliations, schedules, and transaction details.
• Ensure timely closure of audit observations related to treasury operations.
• Follow established treasury processes, controls, and approval mechanisms.

12. Other Treasury Activities

• Support management in treasury-related analysis, reporting, and decision-making.
• Undertake any other treasury-related activities or projects assigned from time to time.
• Continuously identify opportunities to improve treasury processes, controls, reporting, and operational efficiency.

Desired Skills :-

• Bachelor's degree in Commerce, Finance, Accounting, or a related discipline.
• MBA/PGDM in Finance, CA Inter, CMA Inter, or equivalent qualification will be an added advantage.

Preferred:

• Strong understanding of treasury operations, banking, borrowings, cash flow, and financial reconciliations.
• Good working knowledge of MS Excel and financial MIS
• 2-5 years of relevant experience in Treasury, Finance, Banking, NBFC, or Financial Services.