Lead — Treasury

Role Overview

The Lead Treasury Mid Office will own end-to-end liquidity and interest-rate risk management for Hero FinCorp, set and maintain the Fund Transfer Pricing (FTP) framework, drive capital adequacy and cost-of-funds optimisation, and partner closely with the Front Office, Back Office, regulators, auditors, rating agencies and investors. The role is a critical control and analytics function bridging strategy, risk and operations within Treasury.

Key Responsibilities

:M1 Liquidity & Interest Rate Risk Managemen

• tOwn end-to-end liquidity risk and interest-rate risk management for the company
• .Manage cash flow forecasting, drawdown planning, monitoring of approvals and daily liquidity positioning
• .Ensure compliance with Liquidity Coverage Ratio (LCR), Stress Testing, Contingency Funding Plan (CFP) and other key ALM parameters
• .Create, track and monitor market-risk benchmarks for investments and treasury exposures

.M2 FTP, Cost of Funds & Capital Adequac

• yEstablish and maintain the Fund Transfer Pricing (FTP) mechanism across Lines of Business
• .Partner with business teams to work out a suitable cost of funds for each Line of Business
• .Manage the various levers of Capital Adequacy to drive efficient capital utilisation
• .Finalise monthly / quarterly / yearly Cost of Borrowing and other associated treasury costs
• .Conduct competitor analysis on borrowings and cost of funds to benchmark Hero FinCorp's position

.M3 Regulatory Reporting, Compliance & Audi

• tSubmit RBI regulatory returns relating to Treasury and provide data inputs for other returns, including ad-hoc requirements
• .Monitor accounting closures, ECB borrowing workings and annual disclosures
• .Handle statutory, RBI, tax and bank auditors on all Treasury-related matters
• .Track economic and regulatory changes and present detailed financial-impact assessments to management

.M4 ALCO, Stress Testing & Contingency Fundin

• gEnsure timely preparation of ALCO presentations, closing minutes of meeting and related compliances
• .Run periodic stress tests and maintain the Contingency Funding Plan
• .Provide analytical support for ALCO decisions on liability mix, hedging strategy and liquidity buffer

.M5 Investor, Rating Agency & Stakeholder Managemen

• tHandle queries from investors, rating agencies and internal stakeholders
• .Own investor decks, CMA, QIS and portfolio cuts shared with rating agencies
• .Continuously update the Information Memorandum, treasury policies and other standardised documents
• .Manage relationships and fee negotiations with Credit Rating Agencies (CRAs), investment and valuation consultants

.M6 Research, Strategy & Management Reportin

• gConduct continuous research on the economy, debt markets, insurance companies and corporates to support informed funding decisions
• .Drive the Annual Operating Plan working files, presentations, manpower planning and strategy decks
• .Publish updates on key macro-economic indicators to senior management

.M7 Front & Back Office Support / Mid-Office Operation

• sSupport the Front Office in liaising with lenders (including family-office deals) provide clarity on policies and procedures to resolve lender queries
• .Liaise with the Front Office and other stakeholders on Direct Assignment (DA) and Loans-against-Eligible-Receivables (LER) transactions
• .Support the Back Office in security management, limit monitoring and other operational tasks
• .Perform the checker role in debt servicing (interest calculation), DA payouts and ECB payouts
• .Ensure maintenance of Treasury systems and implementation of all treasury-related processes

.Required Qualification

• sCA / MBA (Finance) / CFA preferred
• .710 years of relevant experience in NBFC / Bank Treasury Mid Office or ALM function
• .Prior experience in ALCO support, FTP design, regulatory reporting and rating-agency interactions strongly preferred

.Technical Skill

• sALM, LCR, Stress Testing & Contingency Funding Plan frameworks
• .RBI Master Directions for NBFCs (Scale-Based Regulation), FEMA / ECB framework
• .Fund Transfer Pricing (FTP) design and capital-adequacy management
• .Ind AS 109 financial instruments, hedge accounting and impairment
• .Rating-agency frameworks (CRISIL / ICRA / CARE / India Ratings) and investor disclosure standards
• .Strong proficiency in Excel, Power BI, Treasury / ALM systems; working knowledge of Python and automation tools

.Behavioural Competencie

• sStrong control mindset balanced with commercial / business partnering
• .Executive communication board, ALCO, CFO, rating agencies and investors
• .Ability to manage a mid-office pod and groom talent
• .High ownership, accuracy and audit-readiness
• .Ability to navigate ambiguity, especially around regulatory change