Finance Manager

5 days ago

Bengaluru, Karnataka, India Vishal Infrastructure Limited Full time ₹ 12,00,000 - ₹ 36,00,000 per year

Job Title: Finance Executive / Manager Banking & Compliance

Department: Finance & Accounts

Reporting To: Head – Finance / CFO

Job Purpose:

To manage all banking-related activities, including preparation of CMA data, coordination for credit facilities, bank guarantees, credit rating submissions, equipment financing, and insurance management to support ongoing and upcoming construction projects.

Key Responsibilities:

1. CMA & Bank Liaison

  • Prepare and submit Credit Monitoring Arrangement (CMA) data to all consortium and non-consortium banks for working capital and term loan renewals.
  • Coordinate with banks for enhancement or restructuring of credit facilities as per project funding needs.
  • Provide accurate financial projections, cost estimates, and project-specific financial statements.
  • Monitor fund utilization and compliance with banking covenants and sanction terms.

2. Bank Guarantee (BG) & Letter of Credit (LC) Management

  • Handle issuance, renewal, and release of Bank Guarantees related to project tenders, performance, and advance guarantees.
  • Coordinate with project and commercial teams to ensure BGs are issued as per tender and client requirements.
  • Track validity, margin, and expiry of BGs/LCs and ensure timely extensions or closures.
  • Maintain an updated BG/LC register for internal and audit purposes.

3. Credit Rating & Documentation

  • Coordinate with credit rating agencies for periodic reviews and renewals.
  • Prepare and submit required financial data, project performance reports, and management presentations.
  • Ensure timely completion of rating exercises and maintain proper documentation for compliance and bank submission.

4. Equipment Finance & Term Loans

  • Identify financing requirements for construction equipment, vehicles, and machinery.
  • Liaise with banks/NBFCs for equipment finance proposals, documentation, and disbursement.
  • Ensure compliance with loan covenants and maintain repayment schedules and asset records.

5. Insurance & Risk Management

  • Arrange and renew insurance policies for assets, projects, employees, and equipment.
  • Liaise with insurance providers for coverage, premium negotiation, and claim settlements.
  • Maintain an updated insurance register and ensure all sites and assets are adequately insured.

6. Financial Control & Audit Support

  • Maintain all banking and finance-related documents systematically.
  • Support internal, statutory, and bank audits by providing timely records and clarifications.
  • Ensure compliance with company financial policies, confidentiality norms, and regulatory requirements.

Qualifications & Experience

  • Education: B.Com / M.Com / MBA (Finance) / CA (Inter)
  • Experience: 4–10 years in construction / infrastructure industry, with hands-on experience in CMA preparation, bank guarantees, and project finance coordination.

Skills & Competencies

  • Strong knowledge of project-based banking and financial documentation
  • Proficiency in MS Excel, financial analysis, and fund flow management
  • Good liaisoning and communication skills with banks, NBFCs, and rating agencies
  • Attention to detail and strong record-keeping ability
  • Understanding of insurance and asset risk management in project environments

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