Associate Vice President

Job description

**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