Banking And Finance Manager

GEM Home and Kitchen Appliances; India; On-site; INR 900,000 - 1,300,000; Full time

Job summary

GEM Home and Kitchen Appliances in India seeks a seasoned banker to manage corporate banking, working capital, credit appraisal, and project financing. You will handle relationships with banks, CMA submissions, cash flow planning, and fund utilization while coordinating with accounts and procurement to support growth.

The role requires strong Excel and financial analysis skills, plus negotiation prowess to minimize finance costs and maintain compliance with banking regulations.

Qualifications

• Experience in corporate banking and working capital management.
• Proficient with CC/OD, LC, BG, term loans and project finance.
• Strong CMA preparation and credit appraisal knowledge.
• Expertise in cash flow and fund-flow management.
• Excellent negotiation and banking relationship skills.
• Familiar with import/export finance and FX.
• Excellent analytical and financial modeling abilities.
• Good communication and coordination skills.
• Male candidate only.

Responsibilities

• Manage day-to-day banking operations and relationships with banks and financial institutions.
• Handle working capital facilities, CC/OD limits, term loans, BGs, LCs and other banking facilities.
• Coordinate with banks for sanction, renewal and enhancement of credit limits.
• Prepare and submit CMA data, stock statements, financial projections and other banking documentation.
• Monitor daily cash flow, fund position and working capital requirements.
• Plan fund utilization to ensure availability of funds while minimizing finance costs.
• Handle LC opening, amendments, documentation, retirement and related import/export banking transactions.
• Manage Bank Guarantees, Letters of Credit and foreign currency transactions.
• Negotiate with banks for interest rates, processing charges and other banking costs.
• Monitor loan repayment schedules, interest calculations and banking charges.
• Coordinate for project finance, equipment/machinery finance and term loans, as required.
• Ensure timely bank reconciliation and resolution of banking discrepancies.
• Coordinate with Accounts, Purchase, Import, Sales and Management for financial requirements.
• Maintain MIS related to borrowings, utilization of limits, interest cost, cash flow and banking exposure.
• Ensure compliance with banking terms, documentation requirements and applicable financial regulations.
• Support management in financial planning, budgeting and funding decisions.

Skills

Corporate banking

Working capital management

CC/OD facilities

LC/BG

Term loans

Project finance

CMA preparation

Credit appraisal

Cash flow management

Banking relationship

Import/Export finance

Foreign exchange

Advanced Excel

Communication skills

Tools

Microsoft Excel

Job description

Job Purpose

To manage the companys complete banking and finance activities, including fund management, working capital, banking relationships, credit facilities, cash flow planning, and financial documentation to ensure smooth business operations.

Key Responsibilities

• Manage day-to-day banking operations and relationships with banks and financial institutions.
• Handle working capital facilities, CC/OD limits, term loans, BGs, LCs and other banking facilities.
• Coordinate with banks for sanction, renewal and enhancement of credit limits.
• Prepare and submit CMA data, stock statements, financial projections and other banking documentation.
• Monitor daily cash flow, fund position and working capital requirements.
• Plan fund utilization to ensure availability of funds while minimizing finance costs.
• Handle LC opening, amendments, documentation, retirement and related import/export banking transactions.
• Manage Bank Guarantees, Letters of Credit and foreign currency transactions.
• Negotiate with banks for interest rates, processing charges and other banking costs.
• Monitor loan repayment schedules, interest calculations and banking charges.
• Coordinate for project finance, equipment/machinery finance and term loans, as required.
• Ensure timely bank reconciliation and resolution of banking discrepancies.
• Coordinate with Accounts, Purchase, Import, Sales and Management for financial requirements.
• Maintain MIS related to borrowings, utilization of limits, interest cost, cash flow and banking exposure.
• Ensure compliance with banking terms, documentation requirements and applicable financial regulations.
• Support management in financial planning, budgeting and funding decisions.

Required Skills

• Strong knowledge of corporate banking and working capital management.
• Hands-on experience with CC/OD, LC, BG, term loans and project finance.
• Strong understanding of CMA preparation and credit appraisal processes.
• Good knowledge of cash flow and fund-flow management.
• Strong negotiation and banking relationship management skills.
• Knowledge of import/export finance and foreign exchange transactions.
• Advanced Excel and financial analysis skills.
• Good communication and coordination abilities.

• Required only Male candiate .