Senior Manager

Refyne India; Bengaluru; On-site; INR 3,500,000 - 5,500,000; Full time

Job summary

Refyne India is searching for a Manager / Senior Manager – Debt Raising & Treasury to own the end-to-end liquidity engine for our lending platform.

You will design borrowing strategies, navigate capital markets, and build lending relationships to maintain lean cost of capital as we scale. You will lead debt origination, structure deals, and oversee treasury operations in collaboration with Finance, Legal, and Compliance.

Qualifications

• 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."],
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Responsibilities

• Execute the complete debt fundraising cycle from origination to deal closure.
• Build partnerships with Banks, NBFCs, DFIs, AIFs, mutual funds, and credit rating agencies.
• Secure a diverse mix of capital: term loans, working capital lines, co-lending partnerships, and structured debt instruments.
• Present our financial health, business performance, and capital needs to potential lenders and investors.
• Oversee end-to-end debt operations: documentation, drawdowns, interest payments, and repayments.
• Monitor lender covenants and reporting timelines to ensure ongoing compliance.
• Collaborate with Finance, Legal, and Compliance to ensure loan agreements are executed smoothly.
• Collaborate with leadership on annual borrowing plans, treasury strategy, and ALM.
• Analyze cost of capital and fine-tune 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.

Skills

Debt fundraising

Treasury management

Debt operations

Bank relationships

ALM

RBI guidelines

Excel

PowerPoint

AI tools familiarity

Analytical skills

Education

CA

MBA in Finance

CFA

Tools

Excel

PowerPoint

AI tools

Job description

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.