About the Role
Securing the capital that fuels our platform is Refyneʼs highest growth lever. As Manager / Senior Manager – Debt Raising & Treasury, you will own the end-to-end liquidity engine that powers our lending business. You won't just manage cash flow; you will design our borrowing strategy, navigate capital markets, and build deep lending relationships to keep our cost of capital lean as we scale. If you want to lead high-stakes debt deals, manage treasury operations, and directly fund the financial dignity of millions of employees across Bharat, this role is built for you.

How You'll Make an Impact
● Work with the team to execute the complete debt fundraising cycle, handling everything from origination and structuring to negotiation and deal closure.
● Build and nurture strong partnerships with Banks, NBFCs, DFIs, AIFs, Mutual Funds, and Credit Rating Agencies.
● Explore and secure a diverse mix of capital, including term loans, working capital lines, co-lending partnerships, and structured debt instruments.
● Explicit and effectively present our financial health,



business performance, and capital needs to potential lenders and investors.
● Oversee end-to-end debt operations, keeping a sharp eye on documentation, drawdowns, interest payments, and repayment schedules.
● Monitor lender covenants and reporting timelines closely to ensure complete, ongoing compliance.
● Work hand-in-hand with internal teams like Finance, Legal, and Compliance to ensure loan agreements are executed smoothly.
● Collaborate with leadership on annual borrowing plans, treasury strategy, and asset-liability management ALM.
● Analyze our cost of capital and fine-tune our borrowing mix to balance short-term needs with long-term goals.
● Create clear dashboards and reports for leadership regarding our debt position, utilization, and future forecasts

What Makes You a Great Fit
● 5+years of experience in debt fundraising, treasury, or debt operations, ideally within an NBFC or fintech eco

📌 Senior Manager (Bengaluru)
🏢 Refyne India
📍 Bengaluru