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.
• Strong 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.
• Growth opportunities and professional development opportunities

📌 Treasury, Banking Operations (Madurai)
🏢 Smart Work Consultants
📍 Madurai