Manager - Resource Mobilisation and Utilisation

Role Purpose: To manage the organization's treasury operations, banking relationships, funding requirements, insurance portfolio, risk management framework, and working capital optimization while ensuring compliance with regulatory, statutory, and internal governance requirements.

Key Responsibilities: Treasury Management-

• Manage day-to-day treasury operations, cash flow planning, and liquidity management
• Monitor cash positions across bank accounts and ensure optimum utilization of funds.
• Prepare short-term and long-term cash flow forecasts
• Drive working capital optimization initiatives.
• Monitor borrowing limits and debt utilization.
• Ensure timely servicing of debt obligations including interest and principal repayments.
• Evaluate and implement treasury strategies to improve yield on surplus funds.
• Manage investments in accordance with approved treasury policy.

Banking & Fund Raising-

• Maintain and strengthen relationships with banks, financial institutions, and lenders.
• Negotiate banking facilities, interest rates, fees, and documentation.
• Arrange working capital facilities, term loans, ECBs, bank guarantees, letters of credit, and other financing arrangements.
• Coordinate with lenders for renewals, enhancements, and compliance requirements.
• Review and negotiate loan agreements, sanction letters, and security documents in consultation with legal teams.
• Monitor covenant compliance under financing agreements.
• Support debt refinancing and fund-raising initiatives.

Insurance Management-

• Develop and implement the company's insurance strategy and risk mitigation framework.

• Manage all corporate insurance programs including:

• Property Insurance

• Marine Insurance

• Liability Insurance

• Crime & Cyber Insurance

• Directors & Officers (D&O) Insurance

• Coordinate policy renewals and negotiations with insurers and brokers.

• Evaluate adequacy of insurance coverage and identify risk exposures.

• Manage claims administration and settlement processes.

• Monitor claim recoveries and ensure timely closure of claims.

Risk Management-

• Identify and assess financial risks including:

• Interest Rate Risk

• Foreign Exchange Risk

• Liquidity Risk

• Counterparty Credit Risk

• Recommend appropriate hedging strategies.

• Monitor compliance with treasury and risk management policies.

• Support implementation of risk mitigation measures across treasury activities.

Financial Planning & Reporting-

• Prepare treasury MIS, cash flow reports, debt reports, and management dashboards.
• Present borrowing, liquidity, and insurance updates to senior management.
• Track treasury KPIs and financial commitments

Compliance & Governance-

• Ensure compliance with RBI regulations, Companies Act, FEMA, SEBI requirements, and other applicable regulatory guidelines.
• Manage lender reporting requirements and covenant monitoring.
• Coordinate with auditors for treasury and insurance-related audits.
• Maintain proper documentation and records relating to borrowings, securities, guarantees, and insurance policies.
• Ensure adherence to internal controls and governance standards.

Stakeholder Management-

• Liaise with:

• Banks and Financial Institutions

• Insurance Companies and Brokers

• Legal Teams

• Statutory and Internal Auditors

• Business and Finance Teams

• Act as the key point of contact for treasury, banking, and insurance matters.

Desired Qualifications:

• CA / MBA Finance / CMA / CFA preferred.
• Experience:
• 8-15 years of experience in Treasury, Banking, Corporate Finance, or Insurance Management.
• Experience in manufacturing, FMCG, chemicals, pharmaceuticals, or large corporate environments preferred.
• Strong exposure to fund raising, banking negotiations, treasury operations, and insurance claim management.

Key Skills:

• Treasury & Cash Flow Management
• Working Capital Management
• Banking Operations
• Fund Raising & Debt Management
• Loan Documentation & Covenants
• Insurance & Claims Management
• Risk Management & Hedging
• Financial Analysis & Forecasting
• Regulatory Compliance
• Stakeholder Management
• Negotiation & Relationship Management
• SAP / ERP Systems
• Advanced Excel and Financial Modelling

Key Performance Indicators (KPIs):

• Liquidity and cash flow efficiency
• Cost of borrowing
• Timely debt servicing
• Working capital improvement
• Treasury returns on surplus funds
• Insurance coverage adequacy
• Claims recovery and settlement timelines
• Covenant compliance
• Banking relationship effectiveness
• Audit and compliance adherence

This role is responsible for safeguarding the organization's financial resources, ensuring funding availability, optimizing banking relationships, and managing enterprise insurance and financial risk exposures.