Treasury Mid Office Analyst / Senior Analyst

The Treasury Mid Office function acts as an independent control and monitoring unit supporting the Treasury Front Office in managing liquidity, funding, interest rate risk, asset-liability mismatches, and regulatory compliance. The role will be responsible for treasury analytics, ALM reporting, funding MIS, risk monitoring, covenant tracking, and management reporting across multiple funding products.

The position provides exposure to debt capital markets, structured funding transactions, securitization, co-lending arrangements, and strategic liquidity management.

Key Responsibilities

Treasury MIS & Analytics

• Prepare and analyze daily liquidity reports, cash flow forecasts, borrowing utilization reports, and treasury dashboards.
• Monitor funding positions across bank loans, term loans, NCDs, commercial papers, ECBs, securitization, and co-lending arrangements.
• Generate management reports on borrowing costs, funding mix, tenor profile, and liquidity coverage.
• Support treasury budgeting and annual funding plan preparation.

Asset Liability Management (ALM)

• Prepare ALM statements and maturity gap analyses.
• Monitor short-term and long-term liquidity gaps and recommend corrective actions.
• Analyze interest rate sensitivity and funding concentration risks.
• Support ALCO reporting and preparation of presentations for senior management and Board committees.

Treasury Risk Monitoring

• Track counterparty exposure limits and borrowing concentration limits.
• Monitor compliance with treasury policies, investment guidelines, and risk limits.
• Review treasury transactions to ensure adherence to approved mandates.
• Identify, investigate, and escalate policy exceptions and control breaches.

Funding Operations Oversight

• Monitor drawdowns, repayments, debt servicing schedules, and covenant compliance.
• Track documentation status and conditions precedent for funding facilities.
• Coordinate with lenders, banks, trustees, legal teams, and rating agencies for treasury-related requirements.
• Support fundraising transactions through data analysis and information preparation.

Structured Finance & Capital Markets Support

• Handle end to end issuance of NCDs and other debt instruments through financial analysis and reporting.
• Maintain transaction trackers and monitor post-issuance compliance requirements.
• Coordinate with arrangers, trustees, legal advisors, and rating agencies.

Regulatory & Compliance Reporting

• Support preparation of RBI-related treasury and liquidity reports.
• Monitor compliance with RBI regulations applicable to NBFCs, liquidity risk management frameworks, and governance requirements.
• Assist in internal audits, statutory audits, lender audits, and regulatory inspections.

Process Automation & Controls

• Drive automation of treasury MIS and reporting processes.
• Develop dashboards and analytical tools using Excel, Power BI, or treasury management systems.
• Strengthen internal controls and improve reporting accuracy and efficiency.

Qualifications

• Chartered Accountant (CA) Freshly Qualified or up to 2 years post-qualification experience.
• Strong academic record and understanding of financial markets and treasury concepts.

Preferred Experience

• Experience in an NBFC, HFC, Bank, Treasury Function, Risk Management, ALM, or Corporate Finance.
• Exposure to debt funding, securitization, structured finance, or capital market transactions is advantageous.

Technical Skills

• Advanced Microsoft Excel
• Knowledge of ALM concepts and liquidity risk management.
• Understanding of debt instruments, yield calculations, and borrowing structures.
• Familiarity with treasury management systems.

Core Competencies

• Strong analytical and problem-solving skills.
• Attention to detail and control mindset.
• Ability to interpret financial and regulatory information.
• Effective stakeholder management and communication skills.
• Ability to work independently in a dynamic treasury environment.

Key Performance Indicators (KPIs)

• Accuracy and timeliness of treasury MIS and ALM reports.
• Compliance with treasury policies and regulatory requirements.
• Timely monitoring of debt obligations and covenant compliance.
• Quality of treasury analytics and management reporting.
• Successful execution of process automation and efficiency initiatives.