Harshith Kochhar

Treasury Lead @TMRW House of Brands

Bengaluru, IN

Manage treasury operations for multiple brands within a single group, optimising capital deployment across working capital, capex, and strategic investments.• Structure and execute financing transactions involving NCDs, ICDs, term loans, WCDL, overdraft lines, ECBs, and structured credit—balancing cost efficiency, flexibility, and long-term growth objectives.• Negotiate with banks, NBFCs, and capital market participants to secure competitive terms on instruments such as CPs, liquid and overnight funds, treasury bills, and secured/unsecured loan facilities.• Oversee all debt compliance requirements under RBI, FEMA, and Companies Act provisions, including covenant monitoring, interest rate reset management, end-use certifications, and half-yearly due diligence submissions—ensuring zero lapses.• Manage both fund-based and non-fund-based credit facilities, including BGs, SBLCs, LCs, and derivative hedging structures, ensuring optimal utilisation and cost control.• Monitor daily cash positioning, liquidity buffers, investment maturities, and repayment schedules to maintain healthy leverage and liquidity ratios.• Maintain strong relationships with lenders, credit rating agencies, trustees, and auditors to facilitate swift decision-making and continued access to capital markets.• Implement cash pooling, investment laddering, and process automation to improve yield management, compliance tracking, and overall treasury agility.

St. Joseph's Boys Higher Secondary School, Coonoor, Tamil Nadu, India

High school, Business/Commerce, General

Birla Institute of Technology and Science, Pilani

Postgraduate Degree, Financial Technology

Dr.G.R.Damodaran College of Science

Bachelor in commerce, Business/Commerce, General

XLRI Delhi-NCR

Finance, General