Trade and Working Capital - Associate

Location: Mumbai, Maharashtra, India

Job Family: Specialty Operations

About the Role

At JP Morgan Chase, we are a leading global financial services firm with a proud history of innovation and excellence, powering the progress of economies worldwide. As a Trade and Working Capital Associate in our Specialty Operations team based in Mumbai, Maharashtra, India, you will play a pivotal role in supporting our corporate and investment banking clients by managing complex trade finance transactions and optimizing working capital solutions. This position offers an exciting opportunity to build your career in one of the world's most dynamic banks, where creativity and precision drive our commitment to delivering superior client experiences in the financial services industry. In this role, you will handle end-to-end processing of trade finance instruments such as letters of credit, bank guarantees, and documentary collections, ensuring seamless execution while mitigating risks associated with international trade. You will collaborate with cross-functional teams across JP Morgan's global network to analyze client needs, provide tailored working capital advisory, and leverage our cutting-edge technology platforms to enhance efficiency. Your contributions will directly impact our clients' liquidity management, helping them navigate volatile markets and capitalize on growth opportunities in emerging economies like India. We value associates who thrive in a collaborative, high-performance culture and are passionate about operational excellence. Joining JP Morgan Chase means access to unparalleled resources for professional growth, including mentorship from industry leaders and exposure to innovative fintech solutions. If you are detail-oriented, analytically sharp, and eager to make a meaningful difference in trade finance operations, this role will allow you to advance your expertise while contributing to the bank's mission of reimagining the financial landscape.

Key Responsibilities

• Process and manage trade finance transactions, including documentation review for letters of credit, export/import financing, and guarantees
• Monitor and optimize working capital solutions for corporate clients, ensuring efficient cash flow and liquidity management
• Collaborate with global teams to resolve discrepancies in trade documents and ensure compliance with international standards
• Analyze client portfolios to identify opportunities for trade finance products that enhance working capital efficiency
• Support risk assessment and mitigation in trade operations, including credit checks and exposure monitoring
• Utilize JP Morgan's proprietary systems to track transaction statuses and generate reports for internal and client use
• Contribute to operational excellence initiatives, such as automating processes to reduce turnaround times
• Liaise with clients, counterparties, and internal stakeholders to provide seamless support in trade and working capital services
• Ensure adherence to regulatory requirements and internal policies in all trade-related activities
• Participate in training and development programs to stay updated on evolving trade finance trends

Required Qualifications

• Bachelor's degree in Finance, Business Administration, Economics, or a related field
• 2-4 years of experience in trade finance, working capital management, or related operations in the financial services industry
• Strong understanding of international trade finance products, including letters of credit, guarantees, and supply chain finance
• Proficiency in financial regulations such as UCP 600, ISP 98, and compliance with anti-money laundering (AML) standards
• Experience with core banking systems or trade finance platforms like SWIFT or Finacle
• Ability to work in a fast-paced, high-volume environment with attention to detail
• Fluency in English; knowledge of additional languages is advantageous for global operations

Preferred Qualifications

• Advanced certification such as Certified Trade Finance Professional (CTFP) or equivalent
• Prior experience at a multinational bank like JP Morgan Chase in operations or middle office roles
• Familiarity with working capital optimization tools and cash management solutions
• MBA or postgraduate degree in Finance
• Experience in process improvement or Lean Six Sigma methodologies

Required Skills

• Trade finance processing and documentation expertise
• Working capital management and liquidity analysis
• Regulatory compliance knowledge (e.g., AML, KYC)
• Proficiency in SWIFT messaging and trade platforms
• Financial modeling and risk assessment
• Attention to detail and accuracy in high-volume tasks
• Strong analytical and problem-solving abilities
• Excellent communication and stakeholder management
• Time management in deadline-driven environments
• Adaptability to global market changes
• Team collaboration and cross-functional coordination
• Data analysis using Excel or similar tools
• Process optimization and automation skills
• Customer service orientation for client interactions
• Basic understanding of supply chain finance

Benefits

• Competitive base salary and performance-based bonuses aligned with JP Morgan's global compensation structure
• Comprehensive health insurance coverage including medical, dental, and vision plans for employees and dependents
• Retirement savings plan with employer matching contributions to support long-term financial security
• Paid time off, including vacation, sick leave, and parental leave policies
• Professional development opportunities through JP Morgan's learning academy and tuition reimbursement
• Employee wellness programs, including gym memberships and mental health support
• Flexible work arrangements and hybrid options for work-life balance
• Global mobility programs for career advancement across JP Morgan's international offices

JP Morgan Chase is an equal opportunity employer.