1. Liquidity&CashFlowManagement:
- Own daily, weekly, and monthly liquidity monitoring.
- Prepare rolling short-term and long-term cash flow forecasts aligned with business plans.
- Ensure timely availability of funds for loan disbursements, operating expenses, and statutory payments.
- Maintain liquidity buffers and trigger early-warning indicators for cash stress.
- Support contingency funding planning.
2. Asset–LiabilityManagement(ALM)
- Prepare ALM statements and maturity gap analysis as per RBI guidelines.
- Monitor structural and short-term liquidity mismatches. Conduct stress testing under various scenarios (rate hikes, collection drops, funding delays).
- Present ALM insights and recommendations to ALCO and senior management.
- Support ALCO documentation and compliance.
3. FundRaising & LiabilityStrategy
- Plan and execute fund raising from banks, NBFCs, DFIs, mutual funds, and other institutional lenders.
- Support structured funding including term loans, working capital facilities, securitisation, and co-lending.
- Negotiate commercial terms such as pricing, tenure, covenants, and security.
- Ensure diversification of funding sources and manage lender concentration risk.
- Coordinate lender due diligence, documentation, and ongoing reporting.
4. CostofFunds&InterestRateManagement:
- Track blended and incremental cost of borrowing.
- Optimise borrowing mix between fixed and floating rates.
- Support lending rate and margin optimisation to protect NIM.
- Monitor interest rate movements and assess impact on profitability.
5. Investment & SurplusFundManagement :
- Deploy short-term surplus funds into approved, low-risk instruments (T- Bills, G-Secs, liquid and money-market instruments).
- Balance safety, liquidity, and yield. Monitor counterparty exposure and maturity profiles.
6. RegulatoryCompliance & Governance
- Ensure compliance with RBI regulations applicable to NBFCs.
- Prepare and submit treasury-related regulatory returns including ALM and liquidity statements.
- Support internal audits, statutory audits, and RBI inspections. Maintain treasury policies, SOPs, and internal controls.
7. Stakeholder & Relationship Management
- Act as the primary interface with lenders, investors, trustees, and rating agencies.
- Support credit rating exercises and periodic lender reviews.
