Associate Vice President

About Fibe (formerly Early Salary):

Fibe is a leading consumer lending app in India, catering to young, tech-savvy, and aspirational consumers. It offers a range of financial products, including cash loans, and sector-specific loans in areas like healthcare, education, and green finance, making financial solutions more accessible. Fibe has grown rapidly and is now a market leader in serving middle-income and underserved groups. Recently upgraded to A- by CARE Ratings, Fibe has access to funding from major banks and NBFCs. With over 9 million loans disbursed, totaling Rs. 40,000 Cr+, Fibe is ISO/IEC 27001 certified for information security.

• Winner of BW Festival of Fintech Lending Platform of the Year (Gold) and Fintech Brand of the Year (Silver)

• ET Healthcare Awards 2024 - Excellence in Affordable Healthcare Financing

• Entrepreneur 2024 Founder of The Year & Best Innovation in Financial Services

• Winner of G20 Digital Innovation Alliance Best Startup in Fintech

• Great Place to Work Certified

Location: Pune

Role Summary

The Assistant Vice President Treasury will be responsible for execution and management of capital market and structured finance transactions, including transaction structuring, investor coordination, documentation, treasury operations, and post-disbursement management. The role will support the Head Treasury in executing the organization's funding strategy while ensuring operational excellence, regulatory compliance, and strong governance.

Capital Markets & Structured Finance

• Execute structured finance and capital market transactions including PTCs, Direct Assignment (DA), ECBs, Co-lending, subordinated debt, and other structured funding solutions.
• Support debt capital market transactions.
• Develop relationships with wealth management firms, private banks, institutional investors, AIFs, mutual funds, insurance companies, family offices, and other fixed-income investors for placement of structured finance products.
• Identify and onboard new investors to diversify funding sources.

Transaction Execution & Documentation

• Manage end-to-end execution of treasury transactions from structuring to closure.
• Coordinate with legal counsel, trustees, rating agencies, AD Banks, investors, depositories, and internal stakeholders.
• Review and negotiate transaction documents including term sheets, facility agreements, assignment agreements, trust deeds, escrow agreements, security documents, and other financing documents.
• Ensure compliance with RBI, ECB, SEBI, Companies Act, and transaction-specific regulatory requirements.

Treasury Operations & Governance

• Oversee operational aspects of treasury transactions, including drawdowns, settlements, fund flows, investor servicing, repayments, and post-disbursement compliances.
• Monitor covenant compliance, documentation, security creation, repayment schedules, and treasury MIS.
• Work closely with Finance, Legal, Compliance, Operations, Secretarial, and Business teams to ensure seamless transaction execution.
• Drive process improvements, automation, SOPs, and strong governance practices across treasury operations.

Team Management

• Lead and mentor the treasury execution team.
• Ensure timely execution, operational efficiency, and adherence to internal controls and governance standards.

Qualifications & Experience

• CA / MBA (Finance) or equivalent professional qualification.
• 812 years of experience in Treasury, Structured Finance, Debt Capital Markets, or Corporate Treasury, preferably in an NBFC, Bank, or Financial Institution.
• Hands-on experience in structured finance transactions, treasury operations, legal documentation, and stakeholder management.
• Strong network with wealth management firms and institutional investors will be an added advantage.

Key Skills

• Structured Finance & Securitisation
• Treasury Operations
• Transaction Structuring & Execution
• Legal Documentation
• Investor & Stakeholder Management
• Regulatory Compliance
• Team Leadership
• Process Improvement & Governance