AM/Manager/Sr. Manager Banking Finance

To drive financial efficiency, optimize banking costs, and ensure smooth execution of export-related finance operations. The role involves active engagement with banks and financial institutions, ensuring compliance, leveraging financial products effectively, and preparing accurate reports for internal and external stakeholders.

Key Responsibilities:

1. Finance Cost Optimization

• Strategize and implement measures to reduce finance and borrowing costs.
  
• Analyze and negotiate interest rates, forex charges, and transaction costs with banking partners.
  
• Monitor working capital utilization and optimize fund allocation.
  

2. Banking Product Utilization

• Leverage suitable banking products (LCs, BGs, PCFCs, Buyers Credit, etc.) to support business needs.
  
• Ensure maximum utilization of sanctioned limits and facilities.
  
• Stay updated on new banking offerings and digital tools to enhance efficiency.
  

3. Liaison & Relationship Management

• Build and maintain strong relationships with banks, NBFCs, and financial institutions.
  
• Act as a point of contact for all banking-related matters including negotiations, renewals, and compliance.
  
• Coordinate with internal departments for smooth banking and export documentation processes.
  

4. Documentation & Compliance

• Ensure timely submission of documents for bank facilities, audits, and compliance checks.
  
• Oversee preparation of export documents including invoices, shipping bills, FIRC, BRC, etc.
  
• Comply with all RBI, FEMA, and EXIM policy requirements and maintain proper records.
  

5. Monitoring & Reporting

• Prepare regular MIS reports on fund utilization, bank charges, export finance status, and other KPIs.
  
• Track disbursements, repayments, interest rates, and ensure accuracy in financial reporting.
  
• Highlight risks, discrepancies, or cost-saving opportunities to senior management.
  

Key Skills & Competencies:

• Strong understanding of banking products and export finance instruments.
  
• Knowledge of FEMA, RBI guidelines, and EXIM policy.
  
• Excellent relationship management and negotiation skills.
  
• Analytical mindset with a keen focus on cost optimization.
  
• Proficient in MS Excel, ERP systems, and banking portals.
  

Qualification:

• CA / MBA (Finance) / M.Com or equivalent.
  
• Additional certification in export/import finance is a plus.