We are looking for an experienced Finance professional to manage treasury operations, banking activities, working capital, fund management and capital expenditure (CapEx) for a retail business.

The ideal candidate should have hands-on experience in cash flow planning, banking facilities, liquidity management, payment settlements, banking documentation and CapEx monitoring.

Key Responsibilities

1. Treasury & Fund Management

- Monitor daily cash and fund positions across business operations.
- Prepare cash flow forecasts and manage liquidity requirements.
- Monitor fund utilization, working capital and short-term funding requirements.
- Coordinate CC, OD, WCDL and other banking facilities.
- Monitor borrowing schedules, interest costs, loan renewals and repayments.
- Support fund mobilization and effective utilization of available funds.

2. Banking Operations

- Coordinate with banks for banking facilities, documentation and day-to-day transactions.
- Manage Bank Guarantees (BG), SBLC and other banking arrangements.
- Maintain banking records, loan documentation and lender compliance.
- Coordinate with banks for facility renewals and financial requirements.
- Monitor banking charges, interest calculations and related reconciliations.

3. Payment Gateway & Settlement Operations

- Monitor POS, UPI, payment gateway and EMI settlements.
- Reconcile daily sales collections with bank credits and payment gateway reports.
- Track settlement delays, chargebacks, refunds and discrepancies.
- Coordinate with banks, payment service providers and internal teams.
- Ensure accurate and timely reconciliation of digital transactions.

4. CapEx Budgeting & Monitoring

- Coordinate preparation and monitoring of annual CapEx budgets.
- Track capital expenditure for stores, infrastructure, equipment and projects.




- Review CapEx proposals, approvals, purchase orders and payments.
- Monitor project-wise expenditure against approved budgets.
- Prepare CapEx MIS and expenditure reports.

5. MIS & Financial Reporting

- Prepare treasury, cash flow, banking and CapEx MIS reports.
- Monitor working capital and fund utilization.
- Analyse interest costs, banking charges and funding requirements.
- Support management with financial reports and recommendations.
- Coordinate with internal departments for financial data and reporting.

Requirements

- Treasury Operations & Fund Management.
- Cash Flow Forecasting & Liquidity Management.
- Working Capital Management.
- Banking Operations & Bank Relationship Management.
- CC, OD, WCDL and Short-term Borrowings.
- Bank Guarantees (BG) & SBLC.
- Interest Cost Analysis & Loan Management.
- POS, UPI & Payment Gateway Reconciliation.
- Chargeback, Refund & Settlement Monitoring.
- CapEx Budgeting, Tracking & Monitoring.
- Treasury MIS and Financial Reporting.
- SAP S/4HANA / SAP FICO knowledge.
- Advanced MS Excel and financial analysis.

Preferred Candidate Profile

- CA / CMA / MBA Finance / CA Inter.
- 3–5 years of relevant experience in Treasury, Banking Operations, Corporate Finance or Working Capital Management.
- Experience in Retail, FMCG, Multi-branch or Multi-location businesses will be an advantage.
- Robust coordination skills with banks, payment service providers and internal departments.
- Ability to manage cash flow, banking documentation and financial deadlines independently.

Benefits

- Attractive salary package.
- Exposure to corporate treasury and retail finance operations.
- Opportunity to manage banking and fund management activities.
- Exposure to CapEx planning and business expansion projects.
- Career growth and professional development opportunities

📌 Treasury, Banking Operations & CapEx - Assistant Finance Manager (Madurai)
🏢 Smart Work Consultants
📍 Madurai