Working Capital Management Jobs

Treasury Manager - Chennai Hiring Company: Talent Zone ConsultantExperience: 7-12 YearsLocation: Chennai Industry: BFSI / FinTech / NBFC / Corporate FinanceJob Summary:Talent Zone Consultant is looking for an experienced Treasury Manager to manage the organizations cash flow, liquidity, banking relationships and treasury operations. The ideal candidate should have strong experience in cash management, working capital, investments, forex and financial risk management.Key Responsibilities:Manage daily cash flow, liquidity and working capital requirements.Develop cash flow forecasts and monitor funding requirements.Manage relationships with banks and financial institutions.Oversee banking operations, fund transfers and cash management.Manage short-term investments and surplus funds.Monitor foreign exchange exposure and interest-rate risks.Support debt raising, borrowing and refinancing activities.Ensure compliance with treasury policies and regulatory requirements.Prepare treasury MIS, liquidity reports and management dashboards.Identify opportunities to optimise interest costs, banking charges and working capital.Qualification: CA / MBA Finance / CMA / CFA preferred.

profile: BUSINESS BANKING WORKING CAPITAL RELATIONSHIP MANAGER*BANK: HDFC BANK## *Key Skills & Product ExpertiseCASAWCODTLBUSINESS LOANELIGIBILITY CRITERIA TICKET SIZE: 1000 CR. Location Preference: Bangalore CTC Expectation: 25 LPA(Highly flexible for the right growth opportunity and performance-linked incentives)--- WHY ME?Big bank experience, small bank agility. I bring a strong network, deep product knowledge, and relentless client focus ready to hit the ground running and deliver results from Day 1.

We are seeking a proactive and dynamic Relationship Manager (RM) to join our team in Indore. The ideal candidate will have 1-2 years of sales experience in SME and working capital products and possess a good understanding of the Indore market and nearby areas. The role involves sourcing industrial clients, building strong client relationships, and driving sales growth.

Key Responsibilities:Project TL and WC CMA Creation: Develop Term Loan (TL) and Working Capital (WC) Credit Monitoring Arrangements (CMA) data for loan syndication and financing.Financial Ratio Analysis: Conduct comprehensive financial ratio analysis to support decision-making in terms of loan evaluation and project feasibility.DPR Creation: Prepare Detailed Project Reports (DPR) for loan applications and syndication.TEV and LIE Report Preparation: Conduct thorough evaluations of project viability and submit Lenders Independent Engineer (LIE) and Techno-Economic Viability (TEV) reports to clients and financial institutions.Loan Syndication Support: Assist in managing relationships with banks, investors, and clients for financial due diligence and loan syndication.Cash Flow Forecasting: Prepare financial models including cash flow forecasting, balance sheet projections, and profit & loss analysis.Compliance & Advisory: Ensure all project financials adhere to current regulations and provide financial advisory support for critical decisions.Risk Assessment: Perform in-depth risk assessments and financial audits to mitigate potential risks associated with loan syndication and project financing.Client Interaction: Liaise with clients, stakeholders, and financial institutions to gather and verify relevant information for financial reporting and analysis.

1. Acquire new clients and manage existing clients portfolio of Business Banking department. Monitor the portfolio closely and ensure book size, fee income, delinquency containment targets are met. Regular visits to customer to understand and explore additional funding requirement.2. Use credit knowledge and knowledge of various products for deal structuring. Use Knowledge of market in order to acquire new clients and manage existing clients.3. Increase wallet share of customer by cross selling retail asset products to the customer. Ensure stability of income through various revenue lines and explore avenues for new income generation from existing as well as new clients.4. Ensure the portfolio health through timely servicing of dues /overdues ; timely renewals , stock statement submission, insurance submission, monitoring Out Of Order. Manage the portfolio hygiene items to ensure closure of deferrals and post disbursal document submission within approved TAT.5. Regularly interact and visit customer to ensure timely service delivery and delight. Onboard customer to various digital, alternate channels for ease of transaction. Act as a one point contact for all client queries / concerns related to BBG products.6. Regularly visit assigned branches and train the branch staff on eligible, qualified lead generation for BBG products. Be in constant touch with branch staff to appraise them of the case status and support for quick decisioning.

Analysis of financial data, including variance analysisWorking Capital planningFinancial performance optimizationIRR Analysis & Ratio AnalysisKnowledge in International TaxationKnowledge in International BankingKnowledge in BudgetingExperience in finalizing accounts, and dealing with domestic tax laws preferred

Acquire New-to-Bank business banking accounts with focus on Premium CA, CMS products(POS, QR, IPG, API), TFX, SA, Working Capital Finance and Retail Assets. Develop new high net-worth customer relationships for retail liabilities & assets, Target Small and Medium Enterprises with sales turnover above 2Cr, and CASA float above5lac. Build a strong portfolio of PCA, EXIM clients with focus on client profitability. Acquire and build a portfolio of Premium Current Accounts and EXIM clients and grow themthrough multiple business banking products / cross sell. Identification and development of new business segments and geographical areas to generatebusiness opportunities. Enrich relationships and garner higher wallet share through customer engagement activitiesand increase customer stickiness by providing Corporate banking products like Tax payment,Internet banking, Trade products, CMS etc Working in a dynamic and fast paced environment with cross-functional teams to design,collaborate and provide tailored solutions for customer needs. Responsible for achieving the allocated targets pertaining to CA productivity and fee incomethrough Trade & Fx, Debit cards and CMS. Ownership of self-acquired product portfolio, pricing, revenues (including fee) Maintain working knowledge of the local market, its trends, its potential, competitors, premiereservice providers etc. Act in accordance with all regulatory, compliance and KYC policies (both internal and external) Record and track all engagement activities through the CRM system.

* Formulate, implement & reinforce companys accounting policies and procedures* Adherence to accounting standards & internal controls* Standaridation in accounting manuals & SOPs across location* Finalisation of accounts & preparation of balance sheet* Computation of Income Tax quarterly basis* Payroll processing & TDS calculation for employees* Responsible for budgeting & cash flow related activities* Liasioning with bank & departments for working capital & legal compliance* Rendering all the services required for smooth internal audit process* Ensuring compliance under Income Tax and GST, PF , ESIC , Labour laws, including timely returns and payments* Generating MIS on monthly, quarterly basis as per defined MIS architecture

Urgently Required a Manager Accounts for the Navi Mumbai Officeonly Chartered Accountants to Applysalary 15-17 Lpawill Report Directly to the Dgm Finance and Accountsyears of Experience Required: 3 - 5 Yrs (preferred with Manufacturing Industry Experience)average Age Should Be: 29-37 Yrsskill Set of the Candidate Should Span the Following:1. good Insight On Financial Decision-making Process Through Data Analytics, Financial Modelling, Planning & Control Processes2. planning & Presentation Skills with Effective Knowledge of Relevant Tools3. fast Learner & Flexible to Adopt Changing Environment Very Fast 4. budgeting, Planning and Debtors Management 5. forex Management , Treasury Management and Statutory Compliances6. strategic Planning, Working Capital Management & Fund Raising 7. mis Design

SME Relationship Manager Company: Talent Zone ConsultantJob Title: Senior SME Relationship Manager / SME Lending Relationship ManagerExperience: 8-10 YearsLocation: Bangalore / Mysore / ChennaiEmployment Type: Full-timeJob SummaryTalent Zone Consultant is looking for an experienced SME Relationship Manager with 8-10 years of experience in SME lending, business banking, NBFC, FinTech or financial services.The ideal candidate will be responsible for SME customer acquisition, credit assessment, loan sourcing, portfolio management and revenue growth. The role requires strong knowledge of working capital, business loans, term loans and secured/unsecured SME lending, along with the ability to build long-term relationships with SME clients.Current SME banking roles in Bangalore emphasize acquiring, growing and retaining profitable SME portfolios, structuring appropriate credit facilities and managing portfolio returns.Key ResponsibilitiesAcquire new SME/MSME customers through direct sourcing, referrals, channels and market outreach.Develop and maintain strong relationships with SME business owners, promoters and key decision-makers.Manage the complete lending lifecycle from lead generation to sanction and disbursement.Understand customer business models, financial requirements and working-capital needs.Conduct preliminary credit assessment and financial analysis of SME borrowers.Analyse financial statements, cash flows, banking transactions and repayment capacity.Prepare and coordinate credit proposals and loan documentation with Credit and Risk teams.Handle Working Capital Loans, Term Loans, Business Loans, LAP and other SME lending products.Coordinate with Credit, Operations, Legal, Risk and Collections teams for timely processing and disbursement.Manage and grow an existing SME lending portfolio while maintaining portfolio quality.Track customer repayment behaviour, exposure, delinquency and credit risk.Identify cross-sell and up-sell opportunities across lending, payments, cash management and other financial products.Achieve monthly/quarterly acquisition, disbursement, revenue and portfolio growth targets.Build relationships with DSAs, channel partners, brokers and referral networks.Monitor market trends, competitor offerings and emerging SME financing opportunities.Ensure compliance with internal policies, KYC requirements, credit guidelines and applicable regulations.Required SkillsCore Skills:SME Lending, MSME Lending, Business Banking, Credit Assessment, Credit Analysis, Loan Processing, Loan Origination, Customer Acquisition, Portfolio Management, Relationship Management, Business Development, Financial Analysis, Financial Statement Analysis, Working Capital Loans, Term Loans, Business Loans, LAP, Secured Lending, Unsecured Lending, Credit Appraisal, Credit Underwriting, Risk Assessment, Portfolio Growth, Revenue Growth, Cross Selling, Upselling, Channel Management, DSA ManagementAnalytical / Technology Skills:Financial Modelling, Credit Risk Analysis, Banking Analysis, Cash Flow Analysis, MS Excel, CRM, MIS Reporting, Portfolio Analytics, Business AnalyticsSoft Skills:Client Relationship Management, Stakeholder Management, Negotiation Skills, Communication Skills, Presentation Skills, Business Acumen, Market Development, Problem Solving, Target OrientationCandidate Profile8-10 years of experience in SME/MSME lending, business banking, NBFC, FinTech or financial services.Strong track record in SME customer acquisition and portfolio management.Hands-on experience in credit assessment and loan processing.Good understanding of financial statements, cash flow and borrower creditworthiness.Experience handling working capital and term lending products is preferred.Candidates with experience managing high-value SME portfolios will be preferred.Strong ability to acquire new customers while retaining and expanding existing relationships.Experience working with Credit, Risk, Operations and Collections teams.MBA/PGDM in Finance/Marketing or equivalent qualification preferred.

Position: Senior Relationship Manager Experience: 7+ YearsLocation: Bengaluru, KarnatakaEmployment Type: Full-timeJob DescriptionTalent Zone Consultants is looking for an experienced Senior Relationship Manager for a leading BFSI organization in Bengaluru. The candidate will be responsible for managing and growing an existing client portfolio, acquiring new customers, increasing revenue and wallet share, and providing suitable banking/financial solutions.Key ResponsibilitiesManage and deepen relationships with existing corporate, business, HNI or affluent clients.Identify and acquire new-to-bank customers through market mapping, referrals and networking.Drive revenue, portfolio growth, customer acquisition and wallet-share targets.Understand client business/financial requirements and recommend appropriate banking and financial products.Cross-sell products such as loans, working-capital facilities, trade finance, cash management, insurance, investments and other banking solutions.Develop and execute client acquisition and relationship-growth strategies.Conduct regular client meetings, portfolio reviews and business discussions.Coordinate with Credit, Risk, Product, Operations and Compliance teams to ensure smooth delivery of solutions.Prepare business proposals and support credit appraisal/structuring wherever applicable.Monitor portfolio performance, customer satisfaction and potential business/risk issues.Maintain strong knowledge of market trends, competitor offerings and BFSI products.Ensure adherence to KYC, AML, RBI regulations, internal policies and responsible-sales practices.Maintain accurate customer records, pipeline reports and MIS.Meet and exceed individual and team business targets.Candidate Requirements7+ years of relevant experience in Relationship Management, Corporate Banking, Business Banking, Retail/Commercial Banking, Wealth Management, NBFC or Financial Services.Graduate degree required; MBA/CA preferred for corporate/business banking roles.Proven track record of client acquisition, portfolio growth and revenue generation.Strong understanding of banking products and financial solutions.Experience managing high-value/corporate client relationships preferred.Strong negotiation, presentation and stakeholder-management capabilities.Ability to independently manage targets, client portfolios and business development activities.

Position: Senior Credit Analyst / Credit Risk AnalystExperience: 8+ YearsLocation: Bengaluru, KarnatakaEmployment Type: Full-timeJob DescriptionTalent Zone Consultants is seeking an experienced Senior Credit Analyst for a leading BFSI organization in Bengaluru. The candidate will be responsible for conducting comprehensive credit assessments, evaluating the financial strength and creditworthiness of corporate/financial-institution clients, preparing credit appraisal and risk reports, monitoring portfolios, and providing well-reasoned credit recommendations.Key ResponsibilitiesConduct detailed credit assessment of corporate clients, financial institutions, NBFCs or other assigned portfolios.Analyse balance sheets, profit & loss statements, cash flows, capital structures and financial ratios.Prepare Credit Appraisal Memorandums (CAMs), credit notes, risk assessment reports and credit recommendations.Evaluate business models, industry risks, management quality, repayment capacity and overall creditworthiness.Perform financial modelling, cash-flow forecasting, sensitivity analysis and stress testing.Assess leverage, DSCR, EBITDA, working capital, liquidity and other key credit metrics.Conduct industry research, peer benchmarking and economic analysis to identify emerging credit risks.Recommend appropriate credit limits, lending structures, covenants and risk mitigants.Monitor existing portfolios, covenant compliance, financial performance and early-warning indicators.Review waivers, amendments, renewals and restructuring proposals where required.Ensure credit decisions comply with internal credit policies, risk appetite and applicable regulatory requirements.Work closely with Relationship Managers, Credit Risk, Legal, Operations and senior management.Present credit recommendations and risk findings to senior stakeholders/credit committees.Mentor junior credit analysts and review the quality of their credit deliverables.Identify opportunities for process improvement, automation and enhanced credit-risk reporting.Candidate Profile8+ years of relevant experience in credit analysis, credit underwriting, corporate banking, NBFC, financial institutions, structured lending or credit risk.Bachelor's/Master's degree in Finance, Commerce, Accounting, Economics or Business Administration.CA / MBA Finance / CFA / FRM preferred.Strong experience in corporate/non-retail credit analysis and underwriting.Excellent understanding of financial statements, accounting principles and credit-risk methodologies.Proven experience preparing credit appraisal notes and making independent credit recommendations.Strong stakeholder-management and team-mentoring capabilities.Ability to independently handle complex credit cases and work under strict timelines.