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.

- 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.

- 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.

- 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.

- 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.
- 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.

- 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.
- 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.

- 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.

- 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.

- 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.

- 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:

- Solid 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.

📌 Compliance and Operations - Treasury (Ahmedabad)
🏢 Ratnaafin
📍 Ahmedabad