Treasury Manager

Role & responsibilities

JOB PROFILE

Designation: Assistant Manager / Manager/Senior Manager Securitisation & Portfolio Management

Department: Treasury - Securitisation / Portfolio Management 

Job Purpose

To support Securitisation, Direct Assignment (DA), Priority Sector Lending (PSL), MSME portfolio management, and stress asset sale transactions through efficient pool creation, portfolio analysis, MIS reporting, audit coordination, and stakeholder management while ensuring compliance with RBI guidelines, internal policies, and investor requirements.

Key Responsibilities

1. Securitisation Pool Management

• Create and manage the right mix of Securitisation pools for improved investor acceptability and transaction execution.
• Prepare eligible pools for Direct Assignment (DA) transactions in line with RBI guidelines, internal policies, and investor criteria.
• Identify and evaluate eligible accounts for Stress Asset Sale transactions to ARCs.
• Ensure accuracy and timeliness in pool filtering, validation, and submission to investors/buyers.
• Maintain proper version control and documentation of pool files and related data.

2. MIS, Portfolio Reporting & Bank Borrowing Support

• Prepare and circulate periodic MIS, portfolio analytics, and pool availability reports.
• Generate product-wise portfolio cuts and quarterly AUM analysis.
• Develop and share bank borrowing MIS, drawing power (DP) statements, lender-wise exposure reports, and utilization reports.
• Provide data packs and portfolio details to lenders for bank limits, securitisation funding, and borrowing assessments.
• Support treasury in data sharing for sanction renewals, rating reviews, stock statements, and compliance submissions.
• Provide ad-hoc MIS and analytics for management, banks, investors, ARCs, and auditors.
• Prepare summaries, tables, LER inputs, and presentation data for business discussions & reviews.

3. Due Diligence & Audit Coordination

• Coordinate with banks, investors, ARCs, and external auditors for due diligence activities.
• Ensure timely arrangement and submission of loan files/documents as required for audits and transaction reviews.
• Liaise with internal departments for collection of pool-related data, customer information, and supporting documents.
• Support compliance and transaction-related documentation requirements.

4. Data Warehousing, Data Mining & Data Extraction

• Maintain and refresh saleable pool databases on a regular basis through CFR and other internal data sources.
• Perform data mining and portfolio analysis for identification of eligible pools and investor-specific requirements.
• Ensure data accuracy, consistency, and timely maintenance of portfolio records.
• Provide loan-level details and transaction-related data for DA and Stress Asset Sale transactions.

5. Stakeholder & Relationship Management

• Maintain effective working relationships with banks, investors, pool buyers, ARCs, auditors, and internal stakeholders.
• Coordinate with cross-functional teams for seamless execution of pool transactions and reporting requirements.
• Address buyer/investor queries and support transaction closure within defined timelines.

Key Skills & Competencies

• Understanding of RBI guidelines related to Securitisation, Direct Assignment, NPA sale, PSL & MSME.
• Strong analytical and data management skills.
• In-depth knowledge of loan portfolio management and stress asset sale processes.
• Proficiency in MS Excel, MIS reporting, and data analysis tools.
• Good communication and stakeholder management skills.
• Attention to detail and strong co-ordination abilities.

Key Performance Indicators (KPIs)

• Timeliness and accuracy of pool creation and submission.
• Timely delivery of MIS and portfolio reports.
• Accuracy of data maintained and shared with stakeholders.
• Efficient coordination of due diligence and audit requirements.
• Effective management of investor and internal stakeholder relationships.

Preferred Qualification & Experience

• Graduate / Postgraduate in Commerce, Finance, Management, or related discipline.
• Relevant experience in Securitisation, Treasury Operations, Portfolio Management, or Banking/NBFC operations is must.
• Experience in handling DA transactions, ARC sales, and portfolio analytics will be an added advantage