Treasury

Job Title - Treasury
Department :- Finance & Treasury
Location :- Mumbai (On-Site)
Experience :- Minimum 3 years
Company Overview :-
CreditSea is a digital lending platform in the fintech industry that provides instant personal loans ranging from ₹2,000 to ₹2,00,000, offering customers quick and convenient access to credit through digital processes.
Role Overview :-
CreditSea is seeking a finance professional to join its Treasury team. The role supports fund raising, liquidity and cash flow management, lender relationships, and regulatory and compliance reporting for our NBFC operations, with a sharp emphasis on accuracy and control.
As CreditSea scales its loan book, a strong treasury function is critical to ensuring
liquidity, optimizing the cost of funds, and maintaining healthy lender relationships.
Key Responsibilities :-
• Fund Raising: Support raising of debt funding (term loans, working capital lines, NCDs, co-lending and direct assignment/securitization) from banks, NBFCs, and financial institutions.
• Lender Management: Prepare lender presentations, information memoranda, and due-diligence packs; coordinate sanction terms, documentation, and drawdowns.
• Covenant Compliance: Track and ensure compliance with loan covenants, financial ratios, and portfolio triggers.
• Liquidity Management: Prepare daily, weekly, and monthly cash flow forecasts aligned to disbursement and collection patterns; ensure adequate liquidity for disbursements and repayments.
• ALM & Investments: Monitor Asset Liability Management, support structural and dynamic liquidity reporting, and manage surplus funds within approved policy.
• Reporting & Compliance: Prepare lender MIS, portfolio cuts, and compliance certificates; support RBI returns and ALM filings; ensure adherence to RBI guidelines for NBFCs, including borrowing norms.
• Accounting & Reconciliation: Oversee reconciliations of bank, lender, and escrow/collection accounts; ensure accurate accounting of borrowings, interest accruals, and processing fees; manage timely debt servicing.
• Audit & Controls: Coordinate with statutory and internal auditors on treasury matters; strengthen treasury processes,controls, and automation.
• Analysis: Track and analyze cost of funds, borrowing mix, and lender concentration; support financial modeling, pricing inputs, and business planning.
• Cross-Functional Collaboration: Work closely with Credit, Collections, Finance, and Product teams on funding and cash flow requirements.
Qualifications-
• Graduate/postgraduate in finance or accounting (Chartered Accountant, MBA Finance, CFA, M.Com or equivalent); both CA and non-CA candidates are welcome. Minimum 3 years of relevant experience in treasury, fund raising, or finance, preferably in an NBFC, fintech, or bank.
• Strong understanding of debt instruments, lending products, and NBFC borrowing structures.
• Working knowledge of RBI regulations for NBFCs and ALM concepts.
• Advanced proficiency in Excel and financial modeling, with strong analytical skills.
• Excellent written and verbal communication, with the ability to deal with lenders and senior stakeholders.
• High attention to detail, an ownership mindset, and a strong sense of integrity and compliance.
Good to Have-
• Experience with co-lending, direct assignment, or securitization transactions.
• Exposure to rating agency interactions and debt documentation.
• Familiarity with ERP/accounting systems and treasury tools; experience in a high-growth digital lending environment.
What We Offer-
• Opportunity to build and scale treasury at a fast-growing fintech.
• Collaborative culture with direct exposure to leadership and lender conversations.
• Competitive compensation.

Work arrangement
No