Become a Treasury & Trade Finance Officer
Treasury teams deal in money markets, bonds and forex, and manage liquidity. Trade finance teams handle letters of credit, collections and export-import payments. Banks usually fill these desks from their own officers, so the certifications are how you move across.
Certifications you need
None of these is a legal requirement. They are the specialist IIBF certificates banks look for on these desks.
Optional add-ons
How to get there
Get into a bank
Most people reach these desks as a bank officer first.
Pick treasury or trade
Treasury is market-facing. Trade finance is document and client-facing.
Clear the matching IIBF certificate
Treasury, Forex Operations or International Trade Finance.
Move to a specialist desk
Start in back office or an authorised-dealer branch, then move towards dealing.
What you'll do
- check_circleDeal in forex, bonds and money markets
- check_circleManage liquidity and funding
- check_circleProcess letters of credit and trade documents
- check_circleEnsure FEMA compliance
Who hires
- Banks
- Corporate treasuries
- Primary dealers
- Exporters and importers
What it pays
Indicative figures. Actual pay varies by employer, city and experience.
Junior Dealer
₹5–9 LPA
Treasury and dealing support
Desk Dealer (3–6 yrs)
₹12–25 LPA
Chief Dealer / Head of Treasury
₹40 LPA+
Plus incentives
Frequently asked questions
Can a fresher join a bank's treasury?
It is uncommon. Most treasury staff are existing bank officers, so the usual route is to join a bank first and then move across.
Is the IIBF Forex certificate mandatory?
No. It is RBI-recommended rather than legally required, but it is a useful signal for forex and authorised-dealer roles.
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