Manager – KYC & Compliance

Radiant World Commodities Mumbai Office | Full-Time | On-site Position: Manager – KYC & Compliance About Radiant World At Radiant World, we combine decades of experience across Asia, Europe, and Oceania to bring a rigorous approach towards doing business. Our vision is to be a global leader and a company that not only engages its employees to adopt best practices but also inspires them to be the best they can, encouraging them to passionately embrace changes and new ideas while operating ethically. With a presence in over 14 countries around the world, we are continually on the look-out for opportunities that help provide diversified revenue streams and are accretive on a risk-adjusted basis.

We dedicatedly endeavour to look beyond financial metrics, and sustainability continues to be an imperative. Role Overview We are seeking an experienced Manager – KYC & Compliance to support our commodity trading operations through robust credit risk assessment, trade finance review, exposure monitoring, and governance oversight. The successful candidate will play a critical role in evaluating counterparties, reviewing structured trade finance transactions, monitoring portfolio risk, and ensuring adherence to internal credit policies and regulatory requirements.

Key Responsibilities 1. Credit Risk Assessment Evaluate creditworthiness of counterparties (traders, producers, refiners, end-buyers). Analyse financial statements, cash flows, leverage, and liquidity.

Assess country risk and commodity-specific risk exposure. Assign internal credit ratings. 2. Trade Finance Structuring Review Review and approve structured trade finance transactions including: Letters of Credit (LCs) Standby Letters of Credit (SBLCs) Pre-export Finance (PXF) Borrowing Base Facilities Inventory and Warehouse Financing Ensure structures are legally enforceable and appropriately risk mitigated. 3.

Exposure Management Monitor global counterparty exposure limits. Track utilisation across trading desks and business units. Ensure compliance with internal credit policies and regulatory requirements. 4.

Collateral & Security Oversight Evaluate collateral quality including: Commodities (oil, metals, agri products) Receivables Offtake agreements Warehouse receipts Apply appropriate haircuts and margining assumptions. Monitor collateral coverage against exposure. 5. Market Risk Interaction (Credit Lens) Assess the impact of commodity price volatility on credit exposure.

Stress test counterparty positions under adverse price scenarios. Coordinate with market risk teams on exposure dynamics. 6. Credit Committee Participation Prepare detailed credit memoranda for approval covering: Transaction structure Risk rating Recommended limits Mitigation measures Present cases to the Credit Committee and Senior Risk Panel. 7.

Portfolio Monitoring & Reporting Track watchlist and high-risk counterparties. Monitor Early Warning Indicators (EWI). Prepare periodic credit risk reports for senior management. 8.

Policy & Governance Ensure adherence to internal credit policies. Support the development of credit frameworks for new commodities or regions. Assist in regulatory and audit requirements.

Candidate Profile Bachelor's or Master's degree in Finance, Commerce, Economics, Business Administration, Risk Management, or a related discipline. 8–12 years of relevant experience in credit risk, trade finance, structured finance, or commodity risk management. Strong understanding of commodity trading, structured trade finance, and counterparty credit risk. Experience evaluating financial statements, collateral structures, and trade finance instruments.

Familiarity with global commodity markets and international trade finance practices. Excellent analytical, communication, and stakeholder management skills. Ability to work effectively in a fast-paced, cross-functional, and international environment.

Our Ethos At Radiant World Commodities, we lead with purpose. We are driven by our core pillars of Excellence, Honesty, Better Together, and Iterative Change . We are committed to building not just profitable enterprises, but sustainable ones—anchored in ethics, environmental consciousness, and community impact.

We are an equal opportunity employer and actively foster a diverse and inclusive workplace.