Senior Analyst - Finance Operations

Overview

Senior Analyst in Finance Operations (STF), an independent function responsible for end-to-end operational management of Trafigura's structured finance portfolio, covering onboarding, pre-disbursement control, transaction monitoring, debt servicing, exposure reporting and portfolio analytics.

What you'll do

• Perform pre-disbursement verifications before 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, perform additional verifications covering security perfection, independent valuation, credit insurance binding, syndication confirmation, and funding availability.
• Coordinate all required system entries across Trafigura's internal systems and instruct Treasury to disburse with all required supporting documentation.
• Manage the lifecycle of each active facility from disbursement through to final repayment.
• Set up and maintain a comprehensive covenant register and monitoring calendar; proactively flag covenant stress or potential breaches to relevant stakeholders as defined in SOPs, and maintain audit-ready records.
• Set up and maintain a register of post-disbursement conditions subsequent, tracking deadlines and fulfilment status and escalating outstanding items.
• Coordinate with counterparties and internal legal to obtain and file evidence of CS satisfaction, keeping the document management system up to date.
• Monitor counterparty performance, including delivery schedules, repayment profiles and offtake volumes, against contractual documentation.
• Manage principal and interest repayment schedules across the portfolio and raise invoices for fees and interest to counterparties.
• Coordinate cash and interbank funding requests and external loan facility management, ensuring timely and accurate debt service payments with the Treasury team.
• Provide regular updates to funding banks and risk participating institutions on delivery performance, loan rollovers, and offer notices for bank facilities supporting insurance-backed prepayment transactions.
• Provide monthly inputs to Deals Desk on the financing P&L for every transaction.

What you'll need

• 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.
• Ability to interpret legal agreements and term sheets across 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.
• Meticulous attention to detail with a strong control mindset.
• 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.

Nice to have

• 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.
• Familiarity with covenant monitoring solutions is an advantage.
• Proactive and innovative, with an ability to identify and implement process improvements.

Details

• Location: Mumbai, India.