Role & responsibilities

1

Debt Register & Portfolio Ownership

Maintain a single, reconciled debt register for all borrowing entities: facility-wise sanction, outstanding, drawn / undrawn limits, rate and reset dates, tenor, moratorium, repayment schedule, security, guarantees and covenants. Reconcile monthly with lender statements, SAP GL and the MCA charge index.

2

Debt Servicing Principal & Interest

Run the 30 / 60 / 90-day and annual debt-servicing calendar; ensure servicing accounts and DSRA are funded ahead of due dates; verify every lender interest and charge debit against sanctioned terms and reset dates and recover excess debits. Provide debt-servicing outflows to the H4’s 13-week and six-month cash flow forecasts.

3

Current Borrowings – Proposal to Disbursement

Prepare loan proposals, information memoranda and lender data packs; coordinate lender due diligence (LIE, legal, valuation, title search); support the H4 in negotiating term sheets and sanction conditions; close pre-disbursement conditions and drive drawdowns aligned to construction milestones. Track utilisation and end-use against sanction.

4

Documentation, Security Creation & Release

Own facility documentation, mortgage and hypothecation, escrow / TRA agreements, guarantees and corporate approvals (with Secretarial); ensure charge filing (CHG-1) and CERSAI registration within statutory timelines; manage partial mortgage release / unit NOCs and charge satisfaction (CHG-4) on closure. Custodian of original loan and security documents.

5

Unsecured Borrowings & Inter-corporate Loans

Manage ICDs (borrowed and lent), promoter / director loans and unsecured NBFC facilities: agreements, approvals, interest computation and TDS, rollover and repayment tracking; ensure compliance with Sections 185 / 186,



the Deposit Rules and related Income-tax provisions, in coordination with Accounts & Compliance.

6

Covenant & Lender Compliance

Maintain a covenant tracker (financial and non-financial); test covenants ahead of each reporting date; ensure timely submission of CA certificates, end-use certificates, LIE reports, insurance assignments, stock / receivables statements and other lender deliverables. Flag any likely breach to the H4 early, with a cure or waiver plan.

7

Renewals, Reviews & Refinancing

Maintain the renewal and annual-review calendar and initiate submissions at least 90 days before expiry; identify high-cost or restrictive facilities for refinancing / balance transfer, with cost-benefit analysis (prepayment charges, stamp duty, fees, EIR impact) for H4 approval.

8

Cost of Debt Management

Track weighted average cost of debt by entity, project, lender and benchmark; ensure benchmark rate cuts are passed through on reset dates; negotiate spread reductions, fee waivers and removal of onerous conditions; manage undrawn limits to minimise commitment fees and negative carry.

9

Lender Relationship Management

Day-to-day point of contact for credit and relationship teams of banks, NBFCs and HFCs on borrowing matters; conduct periodic portfolio reviews with each lender; coordinate APF approvals for buyer home loans with CRM; support the H4 in lender diversification and onboarding of new lenders.

10

Debt MIS, Audit & Team Leadership

Prepare the monthly debt MIS and the loan sections of the H4’s weekly leadership dashboard (utilisation, undrawn limits, upcoming servicing, sanction pipeline, covenant status, average cost); support statutory and internal audits; lead the loan team (H1–H2), and own SOPs and maker-checker controls for the function.

📌 Treasury Manager (Kolkata)
🏢 Profound Human Resource Development Advisors
📍 Kolkata