trade finance manager

zakaas

<div>
 💼&nbsp;
 
 Job Title: Sales Manager &mdash; Business Loans &amp; SME Financing
 
 
 
 Company:
 
 &nbsp;Zakaas Fintech FZCO | Dubai, UAE
 
 
 
 Industry:
 
 &nbsp;Fintech &bull; SME Lending &bull; Invoice Finance &bull; Trade Finance
 
 
 
 Location:
 
 &nbsp;Dubai (Hybrid/On-site)
 
 🚀&nbsp;
 
 About Zakaas
 
 
 Zakaas Fintech FZCO is a next-generation fintech and consulting platform enabling SMEs and corporations in the UAE to access fast, compliant, and structured financing solutions. Our products include&nbsp;
 
 Business Loans, SME Working Capital
 
 ,&nbsp;
 
 Invoice Financing
 
 ,&nbsp;
 
 Trade Finance
 
 , and&nbsp;
 
 Supplier Finance
 
 , delivered through our digital ecosystem:
 
 
 🔹 InvoiceFinance.ae
 
 
 🔹 TradeFinance.io
 
 
 🔹 Zakaas.com
 
 
 We work closely with banks, financial institutions, private lenders, and corporates to structure financing that accelerates business growth.
 
 🎯&nbsp;
 
 Role Overview
 
 
 We are seeking a strong&nbsp;
 
 Sales Manager (Business Loans &amp; SME Finance)
 
 &nbsp;with banking experience to lead new client acquisition and manage SME lending opportunities. The ideal candidate is a banker with a proven track record in&nbsp;
 
 Business Loans
 
 ,&nbsp;
 
 SME Finance
 
 ,&nbsp;
 
 Overdraft Facilities
 
 ,&nbsp;
 
 Working Capital
 
 ,&nbsp;
 
 Invoice/Receivable Financing
 
 , or&nbsp;
 
 Trade Finance
 
 .
 
 
 You will be responsible for generating new leads, onboarding clients, structuring loan requirements, and coordinating with our partner banks and internal financing team.
 
 🔑&nbsp;
 
 Key Responsibilities
 
 <ul>
 <li>
 Acquire and onboard SMEs seeking&nbsp;
 
 Business Loans, Working Capital, Invoice Finance, or LC/Trade Finance facilities
 
 .
 </li>
 <li>
 Build relationships with business owners, CFOs, and finance teams across the UAE.
 </li>
 <li>
 Understand client financials, bank statements, trade profiles, and funding requirements.
 </li>
 <li>
 Structure loan cases and submit them to internal credit and partner banks.
 </li>
 <li>
 Achieve monthly disbursement and revenue targets.
 </li>
 <li>
 Manage the end-to-end sales pipeline from lead generation to closing.
 </li>
 <li>
 Develop referral networks (auditors, consultants, accountants, brokers).
 </li>
 <li>
 Educate clients on Zakaas financing products and digital onboarding process.
 </li>
 <li>
 Maintain accurate CRM records and update pipeline status daily.
 </li>
 <li>
 Ensure compliance, documentation, and KYC requirements are met.
 </li>
 </ul>
 🧠&nbsp;
 
 Required Experience
 
 <ul>
 <li>
 Minimum&nbsp;
 
 3&ndash;7 years
 
 &nbsp;UAE banking experience in:
 </li>
 <li>
 ✔ SME Lending
 </li>
 <li>
 ✔ Business Loans
 </li>
 <li>
 ✔ Working Capital
 </li>
 <li>
 ✔ Invoice Finance
 </li>
 <li>
 ✔ Trade Finance / LC Discounting
 </li>
 <li>
 Strong UAE market knowledge (SME segments, industries, documentation, compliance).
 </li>
 <li>
 Good understanding of risk, credit policies, and lending requirements.
 </li>
 <li>
 Existing SME client database is a strong advantage.
 </li>
 <li>
 Experience in cross-selling financial products.
 </li>
 </ul>
 💡&nbsp;
 
 Skills Needed
 
 <ul>
 <li>
 Excellent communication &amp; relationship-building skills
 </li>
 <li>
 Strong financial understanding (P&amp;L, bank statements, cashflow)
 </li>
 <li>
 Problem solving &amp; deal structuring
 </li>
 <li>
 Target-driven, motivated to close deals
 </li>
 <li>
 CRM usage and pipeline management
 </li>
 <li>
 Ability to work independently and as part of a growing fintech team
 </li>
 </ul>
 🎁&nbsp;
 
 What We Offer
 
 <ul>
 <li>
 Attractive&nbsp;
 
 salary + commissions
 
 </li>
 <li>
 
 High monthly earning potential through disbursement incentives
 
 </li>
 <li>
 
 Warm leads from our digital platforms (InvoiceFinance.ae / TradeFinance.io)
 
 </li>
 <li>
 
 Modern, fast-growth fintech environment
 
 </li>
 <li>
 
 Career progression into&nbsp;Senior Sales Manager / Sales Head
 
 &nbsp;roles
 </li>
 <li>
 Training on product, credit, compliance, and deal structuring
 </li>
 </ul>
 📩&nbsp;
 
 How to Apply
 
 
 Send your CV to:&nbsp;
 
 hello@zakaas.com
 
 
 
 
 
 <ul>
 <li>
 
 Subject:&nbsp;
 
 
 Sales Manager &ndash; Business Loans &amp; SME Finance
 
 </li>
 </ul>
</div>

Sales Manager

Genius HRTech Limited

<div>
 
 We are seeking an experienced
 
 Trade Finance Specialist
 
 to join one of the most renowned chemical distribution companies in the Middle East. The successful candidate will be responsible for managing
 
 end-to-end trade finance operations
 
 , ensuring smooth execution, compliance, and cost efficiency across all trade-related transactions.
 
 
 
 
 
 Location - Dubai
 
 
 Key Responsibilities
 
 
 
 Trade Finance Operations
 
 
 <ul>
 <li>
 Prepare, review, and submit documentation for opening
 
 LCs, SBLCs, and TRs
 
 in line with company policies and banking requirements.
 </li>
 <li>
 Monitor the lifecycle of
 
 LCs/TRs
 
 , including amendments, acceptances, and settlements.
 </li>
 <li>
 Ensure all trade finance transactions comply with
 
 UCP, ISBP
 
 , and other relevant international trade guidelines.
 </li>
 <li>
 Track maturity dates and arrange timely settlements to avoid delays or penalties.
 </li>
 </ul>
 
 
 Bank Coordination
 
 
 <ul>
 <li>
 Liaise with banks to obtain
 
 competitive pricing
 
 on LC issuance, amendments, confirmations, and discounting.
 </li>
 <li>
 Follow up with banks to ensure smooth processing and prompt opening of
 
 LCs/TRs
 
 .
 </li>
 <li>
 Resolve discrepancies or banking queries related to trade documents and settlements.
 </li>
 </ul>
 
 
 Internal Coordination
 
 
 <ul>
 <li>
 Collaborate with the
 
 Purchasing/Procurement team
 
 to understand contract terms, shipment schedules, and supplier requirements.
 </li>
 <li>
 Align financial instruments (
 
 LCs/TRs
 
 ) with procurement timelines to prevent supply chain delays.
 </li>
 <li>
 Provide internal stakeholders with updates on LC statuses, timelines, and bank charges.
 </li>
 </ul>
 
 
 Accounting &amp; Documentation
 
 
 <ul>
 <li>
 Maintain accurate records of all trade finance instruments and transactions.
 </li>
 <li>
 Record and reconcile
 
 bank charges, commissions, interest, and related expenses
 
 with the finance/accounts team.
 </li>
 <li>
 Prepare periodic reports on outstanding
 
 LCs/TRs, bank exposures
 
 , and cost analysis.
 </li>
 </ul>
 
 
 Compliance &amp; Risk Management
 
 
 <ul>
 <li>
 Ensure adherence to internal controls, audit requirements, and regulatory guidelines.
 </li>
 <li>
 Identify risks associated with trade finance instruments and propose appropriate mitigation measures
 </li>
 </ul>
 
 
 Qualifications &amp; Skills
 
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in
 
 Finance, Accounting, International Business
 
 , or a related field.
 </li>
 <li>
 
 2&ndash;5 years of hands-on experience
 
 in trade finance, managing
 
 LCs, SBLCs, TRs
 
 , or similar banking instruments.
 </li>
 <li>
 Strong understanding of
 
 international trade documentation
 
 and compliance standards.
 </li>
 <li>
 Excellent
 
 coordination, communication, and negotiation skills
 
 for effective engagement with banks and internal teams.
 </li>
 <li>
 Proficiency in
 
 MS Excel
 
 and
 
 ERP systems
 
 ; solid foundational knowledge of accounting principles.
 </li>
 <li>
 Detail-oriented, organized, and capable of
 
 managing multiple timelines under pressure
 
 .
 </li>
 </ul>
 
 
</div>

Trade Finance Specialist

Ganges Internationale Pvt Ltd, Chennai

Job Title: Assistant Finance ManagerCompany: Ganges Internationale Pvt. Ltd.Location: chennaiSalary: Up to &#8377;45,000 CTC per month (Negotiable based on expertise and experience) Employment Type: Full-timeReports To: Head of Finance / CFORole OverviewThe Assistant Finance Manager will be a key player in the Finance department, primarily focused on core financial operations, bank relationship management, working capital optimization, and trade finance (Letters of Credit - LC). We require an individual with core finance and banking knowledge who has hands-on experience dealing with corporate banking functions and managing the daily liquidity needs of a large manufacturing operation.Key Responsibilities and Deliverables1. Treasury and Cash Flow Management<ul><li>Prepare and maintain daily, weekly, and monthly cash flow statements and forecasts (direct and indirect method) to ensure sufficient liquidity for all operations.</li><li>Monitor bank balances, authorize daily payments, and manage fund allocation between various accounts and working capital facilities.</li><li>Track and manage short-term temporary surpluses to optimize interest returns on bank deposits.</li><li>Generate accurate and timely Management Information System (MIS) reports related to treasury activities, bank balances, and working capital utilization for senior management.</li></ul>2. Bank and Relationship Management<ul><li>Serve as the primary point of contact and liaison for all scheduled banks, negotiating terms, resolving operational issues, and maintaining strong professional relationships.</li><li>Handle all documentation related to the renewal, enhancement, or modification of working capital limits (Cash Credit, Term Loans, Bank Guarantees, etc.).</li><li>Ensure strict compliance with all bank covenants, lending terms, and RBI regulations related to borrowings and foreign exchange.</li></ul>3. Trade Finance and Letter of Credit (LC)<ul><li>LC Application &amp; Management: Prepare, process, and track applications for Letters of Credit (LCs) for raw material procurement (both domestic and foreign).</li><li>Scrutinize all incoming and outgoing LCs, ensuring terms align with commercial agreements and minimize bank discrepancies.</li><li>Manage the processing and negotiation/discounting of bills under LC facilities to optimize payment cycles.</li></ul>4. Core Accounting and Audit Support<ul><li>Support the monthly and annual closing process with accurate bank reconciliations and general ledger entries related to treasury and interest expenses.</li><li>Assist in preparing schedules and providing necessary documentation for internal, statutory, and bank audits.</li></ul>Required Qualifications and Skills<ul><li>Education: B.Com / M.Com / MBA (Finance). A CA/CMA Inter qualification is a strong advantage.</li><li>Experience: Minimum 3-5 years of hands-on experience in Finance, specifically managing Treasury, Cash Flow, and Banking Operations within a manufacturing or large corporate environment.</li><li>Core Expertise: Mandatory experience in preparing and managing Letter of Credit (LC) documentation (especially import/purchase LCs).</li><li>System Proficiency: Strong command over ERP systems (e.g., SAP, Oracle, Tally) and advanced Excel skills for financial modeling and reporting.</li><li>Language: Fluent in English, proficiency in Tamil is required, and knowledge of Hindi is desirable.</li></ul>Key Competencies<ul><li>High level of accuracy, attention to detail, and integrity.</li><li>Strong verbal and written communication skills for dealing with bank managers and internal stakeholders.</li><li>Excellent analytical and problem-solving abilities in a time-sensitive environment.</li></ul>Job Types: Full-time, PermanentPay: &#8377;30,000.00 - &#8377;45,000.00 per monthBenefits:<ul><li>Provident Fund</li></ul>Work Location: In person

Assistant Finance Manager

RTC-1 Employment Services

The Role
 Position Title: Operations Manager – Islamic Bank Employment Type: Full Time Salary: up to 2,100 BHD all-inclusive plus competitive family benefits, allowance, and bonus structure Job Location: Seef Bahrain About the Client: One of the leading global institutions with strong regional presence across the UAE, Bahrain, and Sudan, known for driving innovation in Islamic and corporate banking. · Support the Head of Operations in delivering high-quality client services, resolving issues efficiently, and ensuring smooth day-to-day operations across departments. · Maintain strong client relationships by providing accurate, timely service, identifying process improvements, reducing risks, and enhancing internal controls. · Ensure full compliance with Islamic banking policies, corporate procedures, and operational standards, including proper documentation, verification, and adherence to departmental goals. · Contribute to developing and refining products and processes by sharing best practices, assisting with testing, and recommending enhancements to systems, workflows, and methodologies
 
Requirements
 <ul>
<li>Must have excellent verbal and written English & Arabic communication skills - Bachelor’s degree in Banking & Finance or Accounting or any related field; Certifications related to Trade Finance or Banking Operations are added advantage - At least 8 years' experience in the banking industry with at least 5 years in leading banking organization - Practical knowledge of SWIFT, SafeWatch, and core banking systems (iMal preferred); strong understanding of international payments, AML/KYC/OFAC/FATF regulations; and solid experience in Trade Finance, Money Market transactions, and NOSTRO/VOSTRO account management.</li>
</ul>
About the company
 RTC-1 Employment Services is a licensed recruitment firm based in Dubai, UAE. Our team has been in the market since 2004 and we are supporting various industries with their staffing needs across the Middle East and Africa.

Operations Manager – Islamic Bank

Wio Bank

<div>
 
 About Wio
 
 
 
 WIO is the UAE&rsquo;s first fully digital bank, built to empower business owners and individuals with a smarter, more seamless banking experience. Through cutting-edge technology, embedded finance, and customer-first design, Wio delivers flexible digital banking solutions that support growth and innovation.
 
 
 Role Overview
 
 
 The Business Development Manager will be responsible for originating, structuring, and growing the bank&rsquo;s supply chain finance and lending portfolio. This role focuses on winning new-to-bank clients, creating tailored working capital solutions, and driving adoption of Wio&rsquo;s digital lending products. The ideal candidate will combine deep knowledge in trade, supply chain finance, digital lending products with strong business development skills to expand Wio&rsquo;s footprint in the SME and corporate banking space.
 
 
 Key Responsibilities
 
 
 <ul>
 <li>
 Develop and execute business acquisition strategies to generate *new-to-bank* lending business focused on supply chain finance.
 </li>
 <li>
 Identify, engage, and build relationships with Corporates, SMEs, and ecosystem partners, including anchor clients, distributors, fintechs, and marketplaces.
 </li>
 <li>
 Structure and present supply chain finance solutions (receivables financing, payables financing, invoice discounting, etc.) tailored to client needs.
 </li>
 <li>
 Collaborate with product, credit, and risk teams to ensure smooth onboarding and credit approval processes.
 </li>
 <li>
 Drive deal origination, pipeline management, and conversion to help the bank achieve portfolio growth targets.
 </li>
 <li>
 Promote digital lending capabilities by educating clients on Wio&rsquo;s platform-based working capital solutions.
 </li>
 <li>
 Monitor market trends, competition activity, and client needs to recommend new product features and partnerships in the supply chain finance space.
 </li>
 <li>
 Ensure compliance with internal policies, credit risk frameworks, and regulatory requirements.
 
 
 </li>
 </ul>
 
 Qualifications &amp; Experience
 
 
 
 <ul>
 <li>
 Fluency in Arabic (spoken and written) is mandatory. Only Arabic-speaking applicants will be considered.
 </li>
 <li>
 Bachelor&rsquo;s degree in Finance, Business, Economics, or related field; MBA or professional certification (CFA, ACT, etc.) preferred.
 </li>
 <li>
 6+ years of experience in supply chain finance, trade finance, or business banking within financial services.
 </li>
 <li>
 Proven expertise in originating and closing lending deals, particularly with *new-to-bank* clients.
 </li>
 <li>
 Strong knowledge of supply chain finance structures, working capital solutions, and risk assessment.
 </li>
 <li>
 Demonstrated ability to establish and grow networks with corporates, SMEs, and intermediaries.
 </li>
 <li>
 Excellent negotiation, presentation, and relationship management skills.
 </li>
 <li>
 Digital-first mindset with comfort working in an agile, innovative, and technology-driven environment.
 
 
 </li>
 </ul>
 What We Offer
 
 
 <ul>
 <li>
 Opportunity to shape the future of business banking in one of the region&rsquo;s most innovative financial institutions.
 </li>
 <li>
 Collaborative, digital-first culture with a focus on customers, innovation, and growth.
 </li>
 <li>
 Competitive compensation package with performance-based incentives.
 </li>
 <li>
 Continuous professional development and career growth opportunities.
 </li>
 </ul>
</div>

Business Development Manager – Supply Chain Finance (Arabic Speaker)

National Bank of Ras Al-Khaimah PJSC

Description About the role This role is focused on managing and growing a portfolio of SME clients by providing tailored trade finance and working capital solutions. This role involves building strong client relationships, understanding their financial needs, and offering structured trade finance products (such as letters of credit, bank guarantees, supply chain financing, working capital loans, commercial loan) to optimize their liquidity and operational efficiency. The role drives profitability through client centric relationship management, cross selling initiatives, credit risk oversight, and exceptional service delivery. This role reports to Associate Vice President - SME Coverage. What You'll Be Doing <ul> <li>Develop and maintain strong relationships with SME clients, understanding their trade cycles and working capital requirements.</li> <li>Analyze clients' cash flow cycles and recommend working capital optimization strategies</li> <li>Manage and expand a portfolio of SME clients to achieve annual business targets.</li> <li>Conduct in depth analysis of clients' business models and financial requirements to provide tailored banking solutions</li> <li>Identify opportunities to cross sell SME banking solutions including POS Lending, Asset Backed Lending, Supply Chain Finance, and Cash Management</li> <li>Drive revenue generation while upholding strong credit quality standards.</li> <li>Prepare comprehensive credit proposals with detailed financial and risk analyses</li> <li>Monitor portfolio performance, identify early warning signs, and implement appropriate risk mitigation strategies</li> <li>Ensure timely renewal and restructuring of credit facilities in line with internal and regulatory policies</li> <li>Partner with internal teams (Credit, Operations, Compliance) to deliver seamless service execution</li> <li>Address and resolve client queries promptly to maintain high satisfaction and retention levels</li> <li>Maintain up to date knowledge of market trends, regulations, and industry dynamics</li> <li>Utilize insights to provide advisory services and identify opportunities for business growth.</li> </ul> What We're Looking For <ul> <li>Bachelor's degree in Finance, Economics, Business Administration, or a related field (MBA or CFA preferred)</li> <li>7-10 years of experience in SME Banking, including business development and relationship management</li> <li>Proven track record of closing SME deals and managing complex credit relationships in the UAE or GCC region</li> </ul> Skills <ul> <li>Strong understanding of SME banking in UAE and lending products</li> <li>Strong understanding of credit analysis, financial statements, and lending structures</li> <li>Ability to interpret financial documents (P&L, balance sheets).</li> <li>Excellent communication and interpersonal skills.</li> <li>Knowledge of UAE regulatory environment and corporate governance standards</li> <li>Familiarity with digital banking platforms and financial technology solutions</li> <li>Excellent communication, negotiation, and presentation skills</li> <li>Strategic thinking with strong commercial acumen</li> <li>High ethical standards and integrity</li> <li>Sales driven with strong negotiation and closing skills</li> </ul>

Relationship Manager - SME Coverage

RAKBANK

<div>
 
 At RAKBANK, we believe in fostering a culture of innovation, growth, and excellence. We are not just a bank &ndash; we are a community that thrives on teamwork, cutting-edge solutions, and the highest standards of governance.
 
 
 
 
 Join us in co-creating the future of RAKBANK!
 
 
 
 
 
 
 Job Description
 
 
 
 
 
 About the Role
 
 
 
 
 
 This role is focused on managing and growing a portfolio of SME clients by providing tailored trade finance and working capital solutions. This role involves building strong client relationships, understanding their financial needs, and offering structured trade finance products (such as letters of credit, bank guarantees, supply chain financing, working capital loans, commercial loan) to optimize their liquidity and operational efficiency. The role drives profitability through client-centric relationship management, cross-selling initiatives, credit risk oversight, and exceptional service delivery. This role reports to Associate Vice President - SME Coverage.
 
 
 
 
 
 What You&rsquo;ll Be Doing
 
 
 
 
 <ul>
 <li>
 Develop and maintain strong relationships with SME clients, understanding their trade cycles and working capital requirements.
 </li>
 <li>
 Analyze clients&rsquo; cash flow cycles and recommend working capital optimization strategies
 </li>
 <li>
 Manage and expand a portfolio of SME clients to achieve annual business targets.
 </li>
 <li>
 Conduct in-depth analysis of clients' business models and financial requirements to provide tailored banking solutions
 </li>
 <li>
 Identify opportunities to cross-sell SME banking solutions including POS Lending, Asset-Backed Lending, Supply Chain Finance, and Cash Management
 </li>
 <li>
 Drive revenue generation while upholding strong credit quality standards.
 </li>
 <li>
 Prepare comprehensive credit proposals with detailed financial and risk analyses
 </li>
 <li>
 Monitor portfolio performance, identify early warning signs, and implement appropriate risk mitigation strategies
 </li>
 <li>
 Ensure timely renewal and restructuring of credit facilities in line with internal and regulatory policies
 </li>
 <li>
 Partner with internal teams (Credit, Operations, Compliance) to deliver seamless service execution
 </li>
 <li>
 Address and resolve client queries promptly to maintain high satisfaction and retention levels
 </li>
 <li>
 Maintain up-to-date knowledge of market trends, regulations, and industry dynamics
 </li>
 <li>
 Utilize insights to provide advisory services and identify opportunities for business growth.
 </li>
 </ul>
 
 
 What We&rsquo;re Looking For
 
 
 
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in Finance, Economics, Business Administration, or a related field (MBA or CFA preferred)
 </li>
 <li>
 7&ndash;10 years of experience in SME Banking, including business development and relationship management
 </li>
 <li>
 Proven track record of closing SME deals and managing complex credit relationships in the UAE or GCC region
 
 
 </li>
 </ul>
 
 Qualifications
 
 
 
 
 
 What We're Looking For:
 
 
 
 
 <ul>
 <li>
 
 Education:
 
 Bachelor&rsquo;s degree in finance, Economics, Business Administration, or a related field (MBA or CFA preferred)
 </li>
 <li>
 
 Experience:
 
 7&ndash;10 years of experience in SME Banking, including business development and relationship management. Proven track record of closing SME deals and managing complex credit relationships in the UAE or GCC region
 </li>
 </ul>
 
 
 Skills
 
 
 
 
 <ul>
 <li>
 Strong understanding of SME banking in UAE and lending products
 </li>
 <li>
 Strong understanding of credit analysis, financial statements, and lending structures
 </li>
 <li>
 Ability to interpret financial documents (P&amp;L, balance sheets).
 </li>
 <li>
 Excellent communication and interpersonal skills.
 </li>
 <li>
 Knowledge of UAE regulatory environment and corporate governance standards
 </li>
 <li>
 Familiarity with digital banking platforms and financial technology solutions
 </li>
 <li>
 Excellent communication, negotiation, and presentation skills
 </li>
 <li>
 Strategic thinking with strong commercial acumen
 </li>
 <li>
 High ethical standards and integrity
 </li>
 <li>
 Sales-driven with strong negotiation and closing skills
 
 
 </li>
 </ul>
 
 Additional Information
 
 
 
 
 
 What&rsquo;s In It For You:
 
 
 
 
 <ul>
 <li>
 Competitive, performance-linked compensation
 </li>
 <li>
 Medical coverage for you and your family
 </li>
 <li>
 Comprehensive life insurance
 </li>
 <li>
 Inclusive and diverse workplace culture
 </li>
 <li>
 Career development and fast-track growth opportunities
 </li>
 <li>
 Mentorship from industry experts
 </li>
 </ul>
</div>

Relationship Manager – SME Coverage

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