Senior Analyst - Finance Operations (Structured Trade Finance)

Puma Energy; Mumbai; On-site; INR 3,500,000 - 5,500,000; Full time

Job summary

Trafigura's Finance Operations STF in Mumbai leads end-to-end management of the structured finance portfolio, from onboarding and pre-disbursement control to ongoing monitoring, debt service, and reporting to senior management. The role ensures risk controls, compliance, and timely information flow with Treasury, Credit, Legal and Accounting.

The successful candidate will coordinate with regional teams and internal functions to manage facilities, exposures, and P&L inputs while upholding high

Qualifications

• MBA in Finance or related field.
• Engineering degree desirable.
• Experience in structured trade finance or lending portfolio management is essential.

Responsibilities

• Pre-Disbursement Management: verify and sign off on prerequisites before disbursement; process and document all entries.
• Transaction Management: oversee lifecycle from disbursement to final repayment.
• Covenant Monitoring: maintain a covenant register and flag potential issues to stakeholders.
• Conditions Subsequent Monitoring: track post-disbursement conditions and escalate when needed.
• Performance Monitoring: monitor repayment schedules and invoicing to counterparties.

Skills

Structured trade finance

Financial analysis

Credit risk

Excel

Education

MBA in Finance

Engineering degree

Job description

Main purpose Finance Operations (STF) is an independent function responsible for the end-to-end operational management of Trafigura's structured finance portfolio, from transaction onboarding and pre-disbursement control through to ongoing transaction monitoring, debt servicing, exposure reporting, and portfolio analytics. The function plays a critical control and governance role in the structured finance lifecycle — owning the verification and disbursement process, managing covenant and conditions subsequent compliance, administering debt service and financing arrangements, and providing regular exposure reporting to Credit, Accounting, and senior management. Finance Operations (STF) works in close coordination with STF Regional teams, Treasury, Credit, Legal, Distribution, and Accounting, while maintaining independent oversight of operational risk and process integrity across the portfolio.

Key responsibilities

• Pre-Disbursement Management Perform pre-disbursement verifications prior to any disbursement under a loan or prepayment transaction, covering credit limit confirmation, disbursement request validation, legal review sign-off, Conditions Precedent satisfaction, pricing consistency against the Credit Memo, and settlement of pre-disbursement costs; where applicable, additional verifications are performed covering security perfection, independent valuation, credit insurance binding, syndication confirmation, and funding availability. Upon completion of all verifications, coordinate all required system entries across Trafigura's internal systems and instruct Treasury to disburse with all required supporting documentation.
• Transaction Management Transaction Management covers the lifecycle of each active facility from disbursement through to final repayment
• Covenant Monitoring Setup a process to maintain a comprehensive covenant register and monitoring calendar Proactively flag covenant stress or potential breaches to relevant stakeholders as defined in SOP’s, and maintain audit-ready records of all confirmations and supporting materials
• Conditions Subsequent (CS) Monitoring Setup a process to maintain a register of all post-disbursement conditions subsequent across active transactions, tracking deadlines and fulfilment status and escalating outstanding items to the relevant stakeholders Coordinate with counterparties and internal legal to obtain and file evidence of CS satisfaction, ensuring the document management system is kept up to date
• Performance Monitoring Against Contractual Documentation Monitor counterparty performance — including delivery schedules, repayment profiles, offtake volumes— against the terms set out in each transaction's contractual documentation Manage principal and interest repayment schedules across the portfolio, raise invoices for fees and interest to counterparties
• Financing Facilities Coordinate all financing activities including cash and interbank funding requests and external loan facility management, ensuring timely and accurate execution of all debt service payments by coordinating with Treasury team. Provide regular updates to funding banks / risk participating institutions on delivery performance, loan rollovers, and offer notices for bank facilities supporting insurance-backed prepayment transactions
• P&L Inputs Provide monthly inputs to Deals Desk on the financing P&L for every transaction

Required qualifications

• 4–8 years of relevant work experience in structured trade finance, commodity finance, or lending portfolio management at a bank or commodity trading house; experience in the middle office of a commodity‑focused bank is particularly relevant
• MBA in Finance; an undergraduate degree in Engineering is desirable
• Familiarity with pre‑export finance, prepayment facilities, risk participations, ECA structures, and tolling facilities is a strong advantage

Technical Skills

• Ability to interpret legal agreements and term sheets across a range of structured finance products, with an understanding of security arrangements and limited recourse constructs
• Solid financial analysis skills including covenant monitoring (financial ratios, coverage ratios)
• Proficiency in Excel; familiarity with covenant monitoring solutions is an advantage

Behavioural Competencies

• Meticulous attention to detail with a strong control mindset
• Proactive and innovative, with an ability to identify and implement process
• Strong organisational skills with the ability to manage multiple simultaneous deadlines
• Excellent written and verbal communication skills in English
• Collaborative team player who builds effective working relationships across geographies and functions

Department overview

STF is a fast growing department, which sources, structures, arranges and syndicates Finance solutions for Trafigura’s clients. The STF portfolio is around ~USD 6 bln and consists of around 120+ Pre‑export Finance facilities, Pre‑payment facilities, Reserve based Lending facilities etc. The STF team is made up of around 30 staff members, who are based on Montevideo, Houston, Geneva, Johannesburg, Mumbai, Singapore and Shanghai.

Key Relationships

• External – Counterparties, Banks / Financial Institutions, Insurance Brokers
• Internal - SF Regional Managers, Deals Desk, Physical Traders, Operators, Trade Finance, Treasury, Corporate Funding, Accounting, Legal, Credit

Company Overview

At the heart of global supply, Trafigura connects vital resources to power and build the world. Through our Metals and Minerals, Oil & Petroleum Products and Gas, Power and Renewables, commercial divisions, we use infrastructure, logistics and financing to connect producers and consumers, using our deep understanding of the markets we serve to make supply more efficient, secure and sustainable. We are accelerating our investments in renewable energy, including hydrogen, ammonia and other low‑carbon energy technologies required for the transition to a low carbon future. We are committed to responsible business practices and we work with our stakeholders to improve environmental and social standards, bringing greater trust and transparency to global supply chains.

A career at Trafigura offers a gateway to working on some of the most exciting challenges of a rapidly changing world – from helping to optimise supply chains to developing infrastructure and new markets. In a culture that is founded on openness and energy, our people work as part of a multinational, globally connected team and thrive in a fast‑paced environment where they can nurture and commercialise bold ideas. Everyone has a voice and is empowered to collaborate across geographies and disciplines to help shape our business and the wider world. We know the importance and value of diversity in our business and we invest in attracting, developing and retaining talent from all backgrounds. Founded in 1993, Trafigura is one of the largest independent employee‑owned commodities groups in the world with over 12,000 people working across more than 60 offices. The Trafigura Group owns global multi‑metals producer Nyrstar; fuel storage and distribution company Puma Energy; and joint ventures Impala Terminals, a port and logistics provider, and Nalo Renewables, investing in wind, solar and battery storage projects.