We are looking for an experienced Finance professional to manage treasury operations, banking activities, working capital, fund management and capital expenditure (Cap Ex) 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 Cap Ex 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. Cap Ex Budgeting & Monitoring

- Coordinate preparation and monitoring of annual Cap Ex budgets.

- Track capital expenditure for stores, infrastructure, equipment and projects.





- Review Cap Ex proposals, approvals, purchase orders and payments.

- Monitor project-wise expenditure against approved budgets.

- Prepare Cap Ex MIS and expenditure reports.

5. MIS & Financial Reporting

- Prepare treasury, cash flow, banking and Cap Ex 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.

- Cap Ex 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.

- Strong coordination skills with banks, payment service providers and internal departments.

- Ability to manage cash flow, banking documentation and financial deadlines independently.

Advantages

- Attractive salary package.

- Exposure to corporate treasury and retail finance operations.

- Opportunity to manage banking and fund management activities.

- Exposure to Cap Ex planning and business expansion projects.

- Career growth and professional development opportunities

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