Role Purpose
The Manager – Banking, Trade Finance & Treasury will be responsible for end-to-end management of banking operations, trade finance, trade obligations, working-capital facilities, and regulatory closures. The role requires strong hands-on knowledge of managing CC limits, bank facilities, renewals, LC/BG transactions, day-to-day banking requirements, and IDPMS/EDPMS closures, while ensuring timely compliance and accurate documentation.

Key Responsibilities
1. Trade Finance & Trade Obligations

• Manage thecomplete lifecycle of trade finance transactions, from initiation and documentation to settlement and closure.
• Handle Import and Export Letters of Credit (LCs), bills, documentary collections, import/export payments, and other trade-finance transactions.
• Ensure timely fulfilment and closure of alltrade obligationswithin prescribed timelines.
• Monitor LC expiry dates, shipment dates, document presentation periods, payment due dates, and other critical timelines.
• Review trade documents and coordinate with banks and internal teams for resolution of discrepancies.
• Maintain a comprehensive tracker of all outstanding trade transactions and ensure timely closure.

2. IDPMS / EDPMS Management

• Havehands-on knowledge of IDPMS and EDPMS processes and closure requirements.
• Ensure timely closure of import transactions inIDPMSthrough proper submission of required documents and coordination with banks/customs/internal teams.
• Ensure timely closure and reconciliation of export transactions inEDPMS, including outstanding export bills and related documentation.
• Monitor and resolve long-outstanding IDPMS/EDPMS entries and coordinate with banks for regularisation and closure.
• Ensure proper documentation and compliance for all import/export transactions.
• Prepare and maintain regular MIS of outstanding IDPMS/EDPMS transactions and ageing.

3. CC Limits & Working Capital Facilities

• ManageCash Credit (CC), Overdraft (OD), working-capital and other banking facilities.
• Monitor daily utilisation of CC limits and ensure optimum utilisation of sanctioned limits.
• Prepare and monitor drawing power, stock statements, book-debt statements, and other documents required by banks.
• Ensure timely submission of monthly/quarterly stock and financial statements to banks.
• Monitor interest rates, bank charges, limit utilisation, drawing power, and available borrowing capacity.
• Coordinate with banks for enhancement, reduction, restructuring, or modification of credit limits as required.

4. Renewal of Banking Facilities

• Maintain a complete calendar ofrenewal dates for CC limits, BG limits, LC limits, working-capital facilities, insurance, collateral documents, and other banking arrangements.
• Initiate renewal processes well in advance and coordinate with banks for timely sanction/renewal.
• Prepare and provide financial information, projections, CMA data, stock statements, audited financials, KYC, and other documents required for renewal.
• Follow up with banks until receipt of sanction letters and completion of all documentation.
• Ensure there is no lapse or interruption in banking facilities due to delayed renewal.

5. Day-to-Day Banking Operations

• Handle allday-to-day banking requirementsof the organisation.
• Manage fund transfers, payments, collections, bank reconciliations, cheque transactions, and other banking activities.
• Monitor daily bank balances and ensure adequate funds are available for operational and trade obligations.
• Coordinate with banks for transaction-related issues and ensure timely resolution.
• Manage bank mandates, authorised signatories, account opening/closure, KYC updates, and other banking documentation.
• Maintain strong working relationships with bank relationship managers and operations teams.

6. Bank Guarantees & Letters of Credit

• Manage the complete lifecycle ofBank Guarantees (BGs), including issuance, amendments, extensions, invocation, cancellation, and closure.
• Manage LCs from issuance through amendment, document submission, settlement, and closure.
• Monitor outstanding BGs and LCs and ensure timely cancellation/release of expired instruments.
• Maintain accurate records of bank limits and utilisation relating to LCs and BGs.

7. Treasury & Cash Flow Management

• Prepare daily/weekly cash-flow and fund-position reports.
• Plan fund requirements for trade, statutory, vendor, payroll, and other operational obligations.
• Optimise fund utilisation across various bank accounts and facilities.
• Monitor borrowing costs, interest expenses, and other banking charges.
• Coordinate with management for short-term funding requirements and liquidity planning.

8. Compliance, Documentation & MIS

• Ensure complete and accurate banking and trade-finance documentation.
• Monitor compliance with applicable banking, foreign-exchange, and regulatory requirements.
• Coordinate with auditors, consultants, banks, and internal departments for banking and trade-related matters.
• Prepare regular MIS covering:
• • CC/OD limit utilisation
  • LC and BG exposure
  • Trade obligations
  • IDPMS/EDPMS outstanding and closure status
  • Bank balances
  • Working-capital requirements
  • Facility renewal status
  • Interest and bank charges
• Ensure proper reconciliation of bank accounts and trade-finance transactions.

Key Performance Indicators (KPIs)

• Timely completion and closure ofall trade obligations.
• TimelyIDPMS and EDPMS closurewith minimal outstanding items.
• Effective utilisation and monitoring of CC/OD limits.
• Zero lapse in renewalof banking facilities.
• Timely completion of day-to-day banking transactions.
• Timely submission of bank statements, stock statements, CMA data, and other required information.
• Optimisation of interest and banking costs.
• Accurate cash-flow forecasting and fund management.
• Timely closure of expired BGs and LCs.
• Compliance with all banking and regulatory requirements.

Qualifications & Experience

• Graduate/Postgraduate in Commerce, Finance, Accounting, or related field.
• CA / CMA / MBA (Finance) preferred.
• 6–10 years of relevant experiencein corporate banking, trade finance, treasury, or finance & accounts.
• Strong hands-on experience intrade finance, CC limits, LC/BG, working-capital facilities, IDPMS, EDPMS, bank renewals, and day-to-day banking operations.
• Prior experience dealing directly with banks and their trade-finance/credit teams is essential.

Core Competencies

• Strong knowledge ofTrade Finance and Trade Obligations.
• Excellent understanding ofIDPMS / EDPMS processes and closures.
• Hands-on knowledge ofCC limits and working-capital facilities.
• Strong understanding of LC, BG, import/export documentation and settlements.
• Excellent banking relationship and follow-up skills.
• Strong knowledge of cash-flow and treasury management.
• Good analytical, reconciliation, and documentation skills.
• Strong communication and negotiation abilities.
• High level of ownership, accuracy, integrity, and accountability.