Treasury - Compliance and Operations

Ratnaafin Capital; Ahmedabad District; Presencial; INR 900 000 - 1 300 000; Tempo integral

Resumo da oferta

Ratnaafin Capital in Ahmedabad, Gujarat, seeks an experienced treasury professional to manage day-to-day treasury operations including repayment planning, borrowing, MIS, and regulatory compliance. You will coordinate with banks, auditors, and internal teams to ensure accurate, timely treasury transactions and optimal utilisation of facilities.

The role requires 2–5 years in treasury/finance, strong Excel skills, and knowledge of financial reconciliations.

Qualificações

• Bachelor's degree in Commerce, Finance, Accounting, or a related discipline.
• MBA/PGDM in Finance, CA Inter, CMA Inter, or equivalent qualification will be an added advantage.

Responsabilidades

• Repayment & Borrowing Management: Prepare and maintain repayment schedules covering principal, interest, and other charges; coordinate with banks and internal teams for timely repayments; reconcile repayment data with books, bank statements, and MIS; monitor upcoming obligations and funding requirements; support optimal utilisation of borrowing facilities.
• DA Payout & Transaction Management: Coordinate payouts and ensure timely processing; validate calculations and documentation; liaise with internal teams and banks for closure; resolve discrepancies; support audits.
• Treasury MIS & Data Validation: Prepare daily, monthly, and periodic Treasury MIS; maintain MIS covering borrowings, repayments, cash flows, disbursements, collection efficiency, portfolio cuts; validate data; reconcile with books.
• Asset Allocation & Reconciliation: Monitor asset allocation against funding facilities; map assets to borrowing arrangements; periodic reconciliation; identify mismatches; maintain records.
• Compliance Management: Track monthly/quarterly treasury compliance; coordinate for data/documents; ensure timely submission of certificates/reports; maintain a compliance tracker.
• Liquidity Risk Management: Support LRM activities; prepare and monitor liquidity reports; track cash flows; assess liquidity needs; highlight gaps.
• NACH Coordination: Coordinate mandate setup/activation; ensure mandates go live timely; monitor issues; provide operational support.
• New Bank Account Opening & Banking Operations: Assist in opening/activating accounts; coordinate KYC/documentation; maintain bank account records; support API/banking integrations.
• Limit Utilisation Monitoring: Monitor sanctioned/used/available limits; maintain limit utilization records; report levels; highlight excess usage or upcoming needs.
• Annexure 1 & Regulatory Reporting: Prepare and submit Annexure 1; validate data; ensure accuracy; coordinate for data/documents; maintain audit-ready records.
• Audit & Internal Controls: Support audits; provide documents/reconciliations; address audit observations; follow treasury controls.
• Other Treasury Activities: Support analysis, reporting, decisions; undertake treasury projects; identify process improvements.

Conhecimentos

Treasury operations

Financial MIS

Banking knowledge

Regulatory compliance

Formação académica

Bachelor's in Commerce/Finance

MBA/PGDM in Finance / CA Inter / CMA Inter

Ferramentas

MS Excel

Treasury MIS tools

Descrição da oferta de emprego

Brief of role:

To support and manage day-to-day treasury operations, including repayment planning, borrowing and limit monitoring, asset allocation, DA payouts, NACH coordination, banking activities, treasury MIS, liquidity risk management, and regulatory/compliance requirements.

The role will ensure accurate, timely, and well-controlled treasury transactions, effective utilisation of borrowing facilities, proper reconciliation of financial data, and seamless coordination with banks, internal stakeholders, auditors, and other external agencies.

Key Responsibilities

1.Repayment & Borrowing Management

• Prepare and maintain repayment schedules covering principal, interest, and other applicable charges.
• Coordinate with banks and internal teams for timely processing of repayments.
• Ensure repayment data is accurately recorded and reconciled with books, bank statements, and internal MIS.
• Monitor upcoming repayment obligations and highlight funding requirements in advance.
• Support management in effective utilisation and monitoring of borrowing facilities.

2. DA Payout & Transaction Management

• Coordinate DA payouts and ensure timely processing of transactions.
• Validate transaction calculations and supporting documentation before processing.
• Coordinate with relevant internal teams and banking partners for transaction closure.
• Resolve transaction-related discrepancies and queries.
• Provide necessary support during internal and external audits.

3. Treasury MIS & Data Validation

• Prepare daily, monthly, and periodic Treasury MIS.
• Maintain MIS covering Borrowings,Repayments,Cash flows,Disbursements,Collection Efficiency,Portfolio cuts,Other key treasury parameters
• Obtain and validate data from various internal teams.
• Ensure accuracy, completeness, and timely submission of MIS.
• Reconcile MIS data with books of accounts and relevant source documents.

4. Asset Allocation & Reconciliation

• Monitor allocation of assets against respective funding facilities and transactions.
• Ensure proper mapping of assets to borrowing/funding arrangements.
• Conduct periodic reconciliation of asset allocation.
• Identify and resolve mismatches, excess allocation, or double allocation.
• Maintain appropriate records and supporting documentation.

5. Compliance Management

• Track and complete monthly and quarterly treasury-related compliance requirements within prescribed timelines.
• Coordinate with relevant internal teams, banks, auditors, and other stakeholders for required data and documents.
• Ensure timely submission of certificates, statements, reports, and supporting documents.
• Maintain a compliance tracker and proactively highlight pending or upcoming requirements.

6. Liquidity Risk Management (LRM)

• Support activities related to Liquidity Risk Management.
• Assist in preparation and monitoring of liquidity-related reports and data.
• Track cash inflows and outflows and support assessment of liquidity requirements.
• Highlight potential liquidity gaps and upcoming funding requirements to the relevant stakeholders.
• Ensure timely availability and accuracy of data required for LRM reporting.

7. NACH Coordination

• Coordinate with the Operations team for NACH mandate setup and activation.
• Ensure mandates are processed and made live within defined timelines.
• Monitor mandate-related issues and coordinate with relevant teams for resolution.
• Provide ongoing operational support for NACH-related requirements.

8. New Bank Account Opening & Banking Operations

• Assist in opening and activating new bank accounts as per business requirements.
• Coordinate KYC, documentation, account activation, and related formalities.
• Maintain appropriate records of bank accounts and ensure correct mapping.
• Coordinate execution of required documentation for API/banking integrations.
• Liaise with banks and internal stakeholders for account-related requirements.

9. Limit Utilisation Monitoring

• Monitor sanctioned, utilised, and available limits across various borrowing facilities.
• Maintain facility-wise limit utilisation records.
• Ensure timely reporting of utilisation levels to relevant stakeholders.
• Proactively highlight excess utilisation, low availability, or upcoming limit requirements.
• Support effective utilisation of available borrowing limits.

10. Annexure 1 & Regulatory Reporting

• Prepare and submit Annexure 1 within prescribed timelines.
• Validate underlying data before submission.
• Ensure figures are accurate and reconciled with books of accounts and Treasury MIS.
• Coordinate with relevant teams for data and supporting documents.
• Maintain proper records for audit and future reference.

11. Audit & Internal Controls

• Support internal, statutory, lender, and other audits relating to treasury activities.
• Provide required documents, reconciliations, schedules, and transaction details.
• Ensure timely closure of audit observations related to treasury operations.
• Follow established treasury processes, controls, and approval mechanisms.

12. Other Treasury Activities

• Support management in treasury-related analysis, reporting, and decision-making.
• Undertake any other treasury-related activities or projects assigned from time to time.
• Continuously identify opportunities to improve treasury processes, controls, reporting, and operational efficiency.

Desired Skills :-

• Bachelor's degree in Commerce, Finance, Accounting, or a related discipline.
• MBA/PGDM in Finance, CA Inter, CMA Inter, or equivalent qualification will be an added advantage.

Preferred:

• Strong understanding of treasury operations, banking, borrowings, cash flow, and financial reconciliations.
• Good working knowledge of MS Excel and financial MIS
• 2-5 years of relevant experience in Treasury, Finance, Banking, NBFC, or Financial Services.