Job Title: Treasury Management Business Analyst – (Investments & Borrowings)

Location: Mumbai, India

Employment Type: Full-time

Role Summary

We are looking for a Treasury Management Business Analyst with hands-on experience implementing Oracle Fusion Cloud (Cash Management & Payments) and enabling investment and borrowing lifecycle management. The candidate will translate treasury business needs into robust process and system designs, drive integrations with banks and market data providers, and ensure compliance with accounting and regulatory requirements (e.g., Ind AS 109/IFRS 9, FEMA/RBI where applicable).

Investment Instruments Covered (Front-to-Back Lifecycle)

Short-Term / Cash Equivalents

- Money Market Deposits / Term Deposits (TDs) – creation, rollover, break-cost rules, interest accrual, maturity accounting.
- Commercial Paper (CP) – purchase accounting, discount amortization, valuation.
- Certificates of Deposit (CD) – purchase, interest accrual, maturity/redemption.
- Treasury Bills (T-Bills) – discount amortization (effective interest), valuation.

Fixed Income & Debt Securities

- Government & Corporate Bonds – coupon accruals, amortization of premium/discount, fair valuation, corporate actions.
- Non-Convertible Debentures (NCDs) – accruals, amortization, valuation, covenant tracking.

Funds & Collective Investments

- Mutual Funds / Liquid Funds / Money Market Funds – NAV-based valuation, dividend reinvestment, exit loads, liquidity limits.

FX & Derivatives (for Risk Management)

- FX Spot/Forward/Swap – deal capture, mark-to-market (MTM), hedge designation, effectiveness testing.
- Options (FX/Interest Rate, where applicable) – premium recognition, valuation, hedge accounting.
- Interest Rate Swaps (IRS) – cash flow hedge vs. fair value hedge setup, accruals/MTM, effectiveness measurement.

Other

- Intercompany Investments / Loans – terms tracking, accruals, eliminations, transfer pricing.
- Structured Products – policy-driven evaluation and control; approval workflow.

Borrowing Instruments Covered (Planning to Accounting)

Working Capital Facilities

- Overdrafts/Cash Credit – interest calculation, utilization, bank charges, covenant monitoring.
- Revolving Credit Facilities (RCF)



– drawdowns, rollovers, fees (commitment/utilization), amortization schedule.

Term Financing

- Term Loans (secured/unsecured) – amortization schedules, floating vs. fixed rate handling, prepayment accounting.
- External Commercial Borrowings (ECB) – currency risk, LIBOR/SOFR-based pricing, RBI reporting (as applicable), hedge linkage.
- Project Finance – milestones, escrow/cash waterfall logic, covenants & DSRA tracking.

Capital Markets

- Bond/NCD Issuance – issuance accounting, coupon accruals/payments, trustee interactions, ratings & covenants.
- Commercial Paper Issuance (CP) – primary market issuance, discount accounting, rollover strategy.

Trade & Supply Chain Finance

- Buyer’s Credit / Supplier Financing – onboarding, discounting, fee accounting, settlement flows.
- Factoring / Bill Discounting – derecognition criteria, fees, collections handling.

Leases

- Finance/Operating Leases – interest and principal split, right-of-use asset considerations (coordinate with Accounting).

Intercompany Borrowings

- Policies, interest accruals, documentation, eliminations in consolidation.

Key Responsibilities

1. 1) Business Analysis & Design

- Map as-is treasury processes and define to-be processes across investments and borrowings.
- Define instrument-level deal capture templates, lifecycle events (initiation, accruals, revaluations, coupons, maturity/redemption), and accounting treatments.
- Draft functional requirements & configuration specs for Oracle Fusion (Cash Mgmt/Payments/GL) and relevant extensions.

1. 2) Data, Integration & Controls

- Integrate market data (FX rates, yield curves, NAVs) for valuation and hedge effectiveness.
- Establish counterparty limits, investment universe, credit ratings checks, and automated limit breach alerts.
- Implement treasury controls: dual approvals,



segregation of duties (Front/Middle/Back Office), audit trails.

1. 3) Treasury Accounting & Compliance

- Configure subledger accounting rules for each instrument (interest accruals, amortizations, MTM, fees).
- Implement hedge accounting per Ind AS 109/IFRS 9 (documentation, designation, effectiveness testing, de-designation).
- Align with RBI/FEMA (for ECB/FX), board-approved treasury policy, and internal controls (SOX/ICFR, if applicable).

1. - 1. 5) Testing, Cutover, and BAU Enablement

- Author test scripts (unit/SIT/UAT) covering instrument lifecycle scenarios, edge cases, and accounting postings.
- Lead data migration (opening positions, schedules, hedge documentation).
- Train Treasury, Finance, and SSC teams; produce SOPs and quick reference guides.

1. 6) Reporting & Analytics

- Design dashboards for cash position, investment ladder, debt maturity profile, covenant status, hedging KPIs.
- Standardize month-end close artifacts: accruals, valuations, reconciliations, deal confirmations, hedge effectiveness reports.

Required Qualifications

- Education: Bachelor’s in Finance/Accounting/Economics; MBA/CFA/FRM preferred.
- Experience: 5–8+ years in Corporate Treasury/Treasury Consulting with Oracle Fusion Cloud (Cash Management/Payments/GL) implementation experience.
- Technical & Functional Skills:
- Solid grasp of investment & borrowing instruments (as listed) and their accounting.
- Hedge accounting (Ind AS 109/IFRS 9): documentation, effectiveness testing, rebalancing.
- Data & integration specification writing; SQL basics for reconciliation beneficial.

- Soft Skills: Stakeholder management, analytical rigor, documentation excellence, training ability.

Preferred / Nice-to-Have

- Prior implementation of treasury processes in Oracle Fusion for large/mid corporates.
- Exposure to RBI/FEMA compliance for ECB/FX; experience with rating agencies and trustee workflows.
- Experience with treasury market data providers (Bloomberg/Reuters) or TMS add-ons.

https://www.google.com/search?q=motilal+oswal+finvest+limited&rlz;=1C1GCEU_enIN1053IN1053&oq;=Motilal+Oswal+Finvest+Limited&gs;_lcrp=EgZjaHJvbWUqCggAEAA

📌 Business Analyst - Treasury (Mumbai)
🏢 Motilal Oswal Finvest
📍 Mumbai