Senior Manager

Refyne; Bengaluru; On-site; INR 3,800,000 - 6,000,000; Full time

Job summary

Refyne in Bengaluru seeks a Manager/Senior Manager for Debt Raising & Treasury to own the liquidity engine for our lending business. You will design borrowing strategy, navigate capital markets, and forge deep lending partnerships to minimize cost of capital.

You will lead end-to-end debt deals, manage treasury operations, and align with Finance, Legal, and Compliance to fund millions of employees across Bharat.

Qualifications

• 5+ years of experience in debt fundraising, treasury, or debt operations, ideally within NBFC/fintech.
• Proven track record of independently originating, negotiating, and closing debt transactions end to end.
• Strong relationships with banks, NBFCs, rating agencies, and institutional investors.
• Deep understanding of RBI guidelines for NBFCs, securitization structures, and ALM frameworks.

Responsibilities

• Execute complete debt fundraising cycle from origination to closing.
• Build partnerships with Banks, NBFCs, DFIs, AIFs, mutual funds, and rating agencies.
• Explore a mix of capital: term loans, working capital lines, co-lending, and structured debt.
• Present our financial health and capital needs to lenders and investors.
• Oversee debt operations, including documentation, drawdowns, interest payments, and repayments.
• Monitor covenants and reporting timelines to ensure compliance.
• Collaborate with Finance, Legal, and Compliance on loan agreements.
• Contribute to annual borrowing plans, treasury strategy, and ALM.

Skills

Debt fundraising

Treasury

Debt operations

Bank relationships

ALM

RBI guidelines

Finance strategy

Education

CA

MBA in Finance

CFA

Tools

Excel

PowerPoint

Job description

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.
• Clear 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 ecosystem.
• Proven track record of independently originating, negotiating, and closing debt transactions from end to end.
• Strong, active relationships with commercial banks, NBFC leadership, credit rating agencies, and institutional investors.
• Deep practical understanding of RBI guidelines for NBFCs, securitization structures, treasury products, and ALM frameworks.
• Professional qualification such as CA, MBA in Finance, CFA, or an equivalent degree.
• Proficiency in the Microsoft Office Suite Excel, PowerPoint) and familiarity with AI tools.
• Ability to simplify complex financial structures and execute them efficiently in a fast-paced environment.