Manager – Banking, Trade Finance & Treasury

Mahamaya Lifesciences Pvt. Ltd.; Gurgaon; On-site; INR 1,800,000 - 2,400,000; Full time

Job summary

Mahamaya Lifesciences Pvt. Ltd. in Gurgaon seeks a Manager - Banking, Trade Finance & Treasury to lead end-to-end banking operations, manage trade finance, LC/BG transactions, and working-capital facilities.

You will ensure timely compliance, documentation, and MIS, coordinate with banks, and drive renewal processes to avoid lapses in facilities. The role requires 6–10 years in corporate banking or treasury, with hands-on IDPMS/EDPMS experience.

Qualifications

• Graduate/PG in Commerce, Finance, Accounting or related field.
• CA / CMA / MBA (Finance) preferred.
• 6-10 years of relevant experience in corporate banking, trade finance, treasury, or finance & accounts.
• Strong hands-on experience in trade 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.

Responsibilities

• Trade Finance & Trade Obligations: manage lifecycle of trade finance transactions end-to-end.
• Handle import/export LCs, bills, collections, payments and other trade-finance activities.
• Ensure timely fulfilment and closure of trade obligations within timelines.
• Monitor LC expiry dates, shipment dates, document periods, and payment due dates.
• Review trade documents and coordinate with banks/internal teams for discrepancies.
• Maintain tracker of outstanding trade transactions and ensure closures.
• IDPMS/EDPMS Management: ensure timely closures with required documents and coordination.
• Maintain MIS of IDPMS/EDPMS transactions and ageing.
• CC Limits & Working Capital Facilities: monitor CC/OD usage and facilities.
• Prepare drawing power, stock and book-debt statements for banks.
• Submit stock/financial statements to banks; monitor rates and charges.
• Renewal of Banking Facilities: manage renewal calendar and timely sanction.
• Prepare CMA data, financials, KYC for renewals.
• Day-to-Day Banking Operations: manage transfers, reconciliations, signatories, and KYC.
• Bank Guarantees & LCs: lifecycle management and cancellation/closure.
• Treasury & Cash Flow: daily/weekly cash flow and fund-position reports.
• Compliance, Documentation & MIS: ensure banking and regulatory compliance; prepare MIS.
• KPIs: timely closure of trade obligations, IDPMS/EDPMS closures, and optimal cost management.

Skills

Trade finance

CC limits

LC/BG

Working capital

IDPMS/EDPMS

Bank renewals

Day-to-day banking operations

Banking documentation

Education

Graduate/PG in Commerce, Finance, Accounting

CA / CMA / MBA (Finance) preferred

Job description

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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

Trade Finance & Trade Obligations

• Manage the complete 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 all trade obligations within 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.

IDPMS / EDPMS Management

• Have hands-on knowledge of IDPMS and EDPMS processes and closure requirements.
• Ensure timely closure of import transactions in IDPMS through proper submission of required documents and coordination with banks/customs/internal teams.
• Ensure timely closure and reconciliation of export transactions in EDPMS, 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.

CC Limits & Working Capital Facilities

• Manage Cash 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.

Renewal of Banking Facilities

• Maintain a complete calendar of renewal 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.

Day-to-Day Banking Operations

• Handle all day-to-day banking requirements of 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.

Bank Guarantees & Letters of Credit

• Manage the complete lifecycle of Bank 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.

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.

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:
• 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 of all trade obligations.
• Timely IDPMS and EDPMS closure with minimal outstanding items.
• Effective utilisation and monitoring of CC/OD limits.
• 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 experience in corporate banking, trade finance, treasury, or finance & accounts.
• Strong hands-on experience in trade 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 of Trade Finance and Trade Obligations.
• Excellent understanding of IDPMS / EDPMS processes and closures.
• Hands-on knowledge of CC 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.