Optimo Capital
Website:
optimocapital.in
Job details:
Company Description
Optimo Capital is revolutionizing the Loan Against Property (LAP) market in India by creating the country’s first digital LAP product, simplifying access to quick capital for business owners. Utilizing advanced technology to analyze property data, Optimo aims to provide in-principle sanction letters within 2 hours and disburse loans in 48 hours—drastically reducing the traditional processing time of over two weeks. With a hybrid approach, Optimo combines digital platforms with physical branches to serve both urban and rural communities. Currently, the company operates 17 branches across Karnataka, Tamil Nadu, Andhra Pradesh, and Telangana, with plans to expand to 50 branches by March 2025.
Role Description
This is a full-time, on-site position located in Bengaluru as a Manager – Treasury & ALM. We are looking for a high-ownership professional to support the Treasury and Asset Liability Management (ALM) function at Optimo Capital. The role will be responsible for managing lender relationships, supporting fund raising initiatives, maintaining ALM discipline, and ensuring timely reporting and analysis for internal management and lenders.
The position will work closely with the Head of Finance and play a key role in building a scalable treasury and funding framework as the business grows.
1. Treasury Management
- Maintain daily visibility on cash position and liquidity buffers.
- Track debt drawdowns, repayments, and interest servicing schedules.
- Coordinate with lenders for drawdowns, documentation, and compliance requirements.
- Support execution of borrowing transactions including term loans, co-lending, securitisation, and other structured funding.
2. ALM & Liquidity Monitoring
- Prepare and maintain the ALM maturity ladder and liquidity monitoring framework.
- Track Asset and Liability WAL and refinancing gaps.
- Monitor Minimum Survival Liquidity (MSL) and other internal liquidity thresholds.
- Support periodic ALCO reporting and analysis.
3. Lender & Investor Data Management
- Prepare lender data packs and periodic MIS required by banks, NBFCs, and institutional lenders.
- Maintain updated data rooms and documentation required for fundraising.
- Coordinate responses for lender queries, rating agency requests, and due diligence.
4. Funding & Capital Market Support
- Support evaluation and execution of funding options such as:
- Term loans
- Co-lending partnerships
- DA/PTC securitisation
- Track market borrowing conditions and benchmark funding costs.
5. Treasury Analytics & Controls
- Track cost of funds, borrowing mix, and funding concentration.
- Build dashboards for refinancing pipeline visibility.
- Support policy implementation for ALM, liquidity discipline, and funding governance.
Qualifications
- Strong expertise in Treasury Management, liquidity planning, and cash flow management.
- Proven skills in Asset-Liability Management (ALM) and financial risk analysis and mitigation.
- Experience with financial planning, investment.
- ents, and strategy formulation.
- Advanced analytical and problem-solving capabilities, including proficiency in financial modeling and tools like Excel, SQL, or financial software.
- Master’s degree in Finance, Accounting, Economics, or a related field; professional certifications (e.g., CFA, FRM) are highly preferred.
- Previous experience in a similar role in the financial services sector is an added advantage.
Interested candidate's can share the profile to Pavithra.r@optimoloan.com
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