Head

Industry: Trading Company Location:  Bhiwandi Reporting To: Head of Finance Role Summary The Treasury & Banking Head will be responsible for managing the company’s overall banking relationships, working capital funding, and treasury operations. The role focuses on optimizing liquidity, ensuring efficient utilization of credit facilities (CC, WCDL), handling trade finance instruments (LC/BG), and managing day-to-day banking operations including import/export transactions. Key Responsibilities 1. Working Capital & Fund Management Manage and monitor Cash Credit (CC) and Working Capital Demand Loan (WCDL) limits. Optimize fund utilization to minimize interest cost. Daily fund planning, cash flow forecasting, and liquidity management. Ensure proper routing of transactions through sanctioned banking limits. 2. Banking Relationship Management Act as the primary point of contact with banks and financial institutions. Negotiate interest rates, processing fees, and banking charges. Coordinate for new banking tie-ups and diversification of limits. 3. Trade Finance (Import / Export) Handle end-to-end Letter of Credit (LC) operations. Manage Bank Guarantees (BG) including issuance and renewal. Oversee import/export documentation and FEMA compliance. Ensure timely realization of export proceeds. 4. Limits Management (Renewal & Enhancement) Prepare CMA data, stock statements, and projections. Coordinate with banks for annual renewal and enhancement of limits. 5. Daily Banking Operations Supervise payments, receipts, and reconciliations. Monitor balances and ensure optimal fund allocation. 6. Compliance & Documentation Ensure compliance with RBI guidelines, FEMA, and banking covenants. Maintain proper documentation and support audits. 7. Risk Management Monitor forex exposure and coordinate hedging strategies. Track interest rates and optimize borrowing costs. 8. MIS & Reporting Prepare fund position, utilization, and cost analysis reports. Support management decision-making. Key Skills & Competencies Strong knowledge of CC, WCDL, LC, BG, and trade finance. Expertise in CMA preparation and banking documentation. Strong negotiation and analytical skills. Proficiency in Excel and financial analysis. Qualifications & Experience MBA Finance or other relevant qualification 7–12+ years in treasury/banking. Experience in trading/import-export industry preferred. KPIs / Performance Indicators Reduction in interest cost. Timely renewal/enhancement of limits. Efficient working capital utilization. Zero compliance deviations.