Job Description

Job DescriptionOwn the Structured Trade and Commodity Finance portfolio (STFC) (pre-export finance, borrowing base facilities, inventory backed lending and other asset backed solutions), ensuring commercial scalability within risk appetite, disciplined capital usage, and compliance with regulatory/credit frameworks.Essential Function:Define and maintain the strategic product architecture for STCF, including product constructs, collateral frameworks, eligibility criteria, and appropriate asset coverage models.Develop methodologies, margining rules, covenant structures, reporting standards and utilisation mechanisms, aligned to client risk profiles and credit appetite.Lead full lifecycle management of the STCF product suite from origination and structuring to execution, monitoring, enhancement and exit.Establish and maintain governance frameworks, including deal templates, security packages, perfection requirements, collateral control standards and operational risk thresholds.Define and monitor portfolio limits across countries, obligors, commodities, and ecosystems, ensuring alignment with concentration, sovereign, and counterparty risk appetites.Develop deal structuring playbooks and pricing frameworks that support consistent origination, competitive positioning and alignment with client value propositions.Drive commercialisation of STCF across target industries, markets and client segments, including development of distribution strategies (e.g., risk participation, insurance wraps).Support Coverage and Sales teams in engaging anchor clients, expanding into ecosystems, and positioning STCF as a strategic enabler of trade flows and working capital needs.Monitor portfolio performance across riskadjusted returns, RWA intensity, impairment trends, collateral health, and earlywarning triggers.Drive productlevel capital optimisation by designing structures that balance commercial outcomes, risk appetite, regulatory capital, liquidity and return hurdles.Lead proactive portfolio interventions including restructuring, covenant resets, margining adjustments and collateral enhancements to protect asset quality and meet P&L expectations.Champion digitisation and technology enablement across STCF, including solutions for collateral tracking, realtime monitoring, data ingestion, and earlywarning insights.Introduce automation and workflow simplification for borrowing base reporting, compliance checks, release processes and operational controls.Enhance endtoend execution quality by reducing timetoclose, improving client onboarding efficiency and strengthening crossfunctional delivery.Elevate documentation standards, legal robustness and enforceability through consistent templates, clear structuring notes, and rigorous credit alignment.Provide oversight during execution to ensure adherence to risk frameworks, operational readiness, collateral controls and postdeal monitoring standards