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Treasury Lead (Others - General)/ 0 days ago

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Job Description:

We are seeking a Treasury Lead with 6–8 years of hardcore corporate treasury experience in loan agreement negotiation with banks, cash flow planning, and end?to?end banking operations in a fast?paced e?commerce/retail or allied environment. The role will independently own the full treasury stack – from WCDL/SBLC and loan documentation to cash?flow forecasting, BRS, compliances, audit support, and senior?management MIS – while leading process improvements and acting as the primary interface with bankers and internal stakeholders.

1. Banking operations ownership

• Independently oversee and execute daily banking transactions: vendor payments, marketplace settlements, statutory dues, employee reimbursements, and inter?bank fund movements across multiple bank relationships.
• Ensure strong control on cut?off timings, dual authorization, and documentation for all treasury payments.

1. Loan agreements & WCDL lifecycle management

• Lead end?to?end working capital and term loan processes – from term sheet evaluation, covenant analysis, and loan agreement negotiation with banks to documentation closure.
• Own the complete WCDL cycle: drawdown requests, utilization tracking, repayment scheduling, interest computation, limit renewals, and covenant compliance, ensuring zero delays or default.

1. SBLC / BG management

• Manage issuance, renewal, amendment, and closure of Standby Letters of Credit and other bank guarantees.
• Maintain a robust register of all SBLC/BG instruments with validity, value, and purpose; proactively coordinate with banks and business teams on expiry and collateral requirements.

1. Bank reconciliation (BRS)

• Own daily and monthly BRS across all bank accounts, including payment gateways and marketplace accounts.
• Set up systematic workflows for open?item identification and closure; drive a “zero?outstanding beyond agreed SLA” culture.

1. Cash?flow forecasting & fund planning

• Build and maintain short?term (daily/weekly) and medium?term (monthly/quarterly) cash?flow models at entity and group level.
• Monitor daily liquidity, anticipate funding gaps, and recommend deployment of surplus funds or drawdown of facilities to optimize interest cost.

1. Accounting & Tally ERP

• Ensure accurate and timely posting of all treasury?related entries in Tally ERP – JVs, payment vouchers, contra entries, interest accruals, and period?end adjustments – with full supporting documentation.
• Coordinate closely with the GL, AP, and tax teams for smooth month?end and year?end closing.

1. MIS & treasury analytics

• Design, publish, and continuously improve weekly and monthly treasury MIS dashboards, covering: bank balances, fund positions, payment summaries, WCDL utilization, interest cost trends, covenant status, and variance?to?plan for Finance leadership.
• Provide actionable insights on cost of funds, idle cash, and utilization efficiency; suggest optimization levers.

1. Audit management

• Lead preparation of treasury schedules and evidence for internal, statutory, and tax audits.
• Proactively close prior?period audit observations related to treasury and strengthen controls to target “nil observations” in subsequent audits.

1. Compliance & risk controls

• Ensure compliance with internal treasury policies, banking covenants, RBI guidelines, and statutory payment timelines (TDS, GST, PF, ESIC, etc.).
• Flag potential covenant breaches, document lapses, or operational risks in advance to the Finance Head and help implement mitigating actions.

1. Banking & stakeholder management

• Act as the primary treasury interface with banks and financial institutions for limits, pricing, documentation, and issue resolution.
• Collaborate closely with Accounts Payable, Tax, Legal, and Marketplace Finance teams to align cash?flow planning with business decisions.

1. Process improvement & automation

• Identify bottlenecks in treasury processes (payments, reconciliations, loan documentation, MIS collation) and propose technology or process solutions (Tally automation, bank API, Excel models, etc.)
• Lead implementation of approved initiatives to reduce manual effort, TAT, reconciliation issues, and interest leakage.

Skills:

• Strong understanding of corporate banking products – WCDL, CC/OD, SBLC, BGs, term loans, and trade finance.iimjobs+1
• Advanced Excel skills for cash?flow modelling and MIS automation.
• Hands?on experience with Tally ERP and internet banking platforms.
• Excellent negotiation, communication, and stakeholder management skills with banks and internal teams.
• High ownership, attention to detail, and ability to work under tight timelines in a high?velocity environment.