Assistant Manager – Credit (Supply Chain Finance)

Job Description:

Role Overview
As an Assistant Manager - Credit (Supply Chain Finance), you will own the end-to-end underwriting cycle for Supply Chain Finance programs-from eligibility assessment and financial analysis to credit memo preparation, risk evaluation, due diligence, and portfolio monitoring. Underwrite and monitor Cross-Border SCF-Export Receivables (recourse/non-recourse, buyer & country risk) and Import Bill Discounting (LC/Collections bills, bank/issuer risk), with program & per-counterparty limits, covenants, and early warning signals (EWS).
You will collaborate closely with Business, Operations, Legal, Tech, and anchor/vendor partners to build a high-quality credit portfolio while maintaining strong governance and risk controls

A) Intake & Preliminary Assessment
. Review login files received from Business/Originations for completeness (KYC, financials, bank data, GST, invoices, anchor/vendor documentation, comfort letters, etc.).
. Perform eligibility screening through credit bureau pulls (CIBIL/CRIF/Experian/Equifax) and summarise key bureau insights.
. Run KYC/AML/PEP/sanctions checks (including CKYC), highlighting deviations and red-flag indicators.
. Prepare a CAM-lite summary: business snapshot, banking behaviour, bureau highlights, anchor/vendor dynamics, GST trends, and checklist gaps.
. Where appropriate, conduct reference checks and site/virtual visits identify UBO/related-party links.

B) Full-Cycle Underwriting
. Analyse financial statements, GST data, cash flows, and bank behaviour to assess borrower repayment capacity.
. Evaluate anchor/vendor program structures, including exposure, concentration risk, payment cycles, invoice quality, and counterparty performance.
. Assess SCF product fitment for receivables, payables, distributor/vendor financing and anchor-led programs.
. Prepare detailed Credit Assessment Memos (CAMs) including risk ratings, mitigants ,pricing justification, covenants, and recommendations.
. Validate documentation requirements (agreements, undertakings, board resolutions, comfort letters, guarantees, etc.) in coordination with Legal.

C) Risk Evaluation & Decisioning
. Identify early warning signals-GST anomalies, invoice ageing, cash flow gaps, banking stress patterns, anchor delays.
. Conduct fraud checks and verify the authenticity of invoices, IRNs, anchor/vendor relationships, and trade flows.
. Assess program-level risks: industry cycles, anchor concentration, supply-chain disruptions, seasonality, and counterparty risks.
. Present credit cases to internal committees provide clear justification of risks, deviations, and recommended structures.

D) Post-Approval & Disbursal Readiness
. Validate compliance with sanction conditions, covenants, and documentation checklists before disbursal.
. Review invoice eligibility, limit setting, pricing/tenor alignment, and anchor/vendor linkages.
. Coordinate with Operations for seamless execution of approved deals

E) Portfolio Monitoring & Risk Controls
. Monitor borrower/anchor/vendor performance through MIS, bank/GST data, ageing buckets, utilisation, delinquencies, and exceptions.
. Track NPA/DPD movement and recommend corrective actions such as limit resizing ,restructuring, or enhanced monitoring.
. Support monthly credit bureau reporting by validating loan statuses and remedying disputes.
. Assist with regulatory reporting (where credit input is required), internal audit readiness, and periodic policy/SOP improvements.

F) Stakeholder Management
. Contribute to credit policy/SOP updates.
. Collaborate with Business for structuring solutions and understanding client requirements.
. Partner with Operations for documentation, disbursals, and servicing validations.
. Work with Legal, Compliance, and Tech teams to align risk frameworks, workflows, and system-level controls.
. Engage with anchors/vendors for clarifications, program assessment, and data validation.

G) Cross-Border SCF - Credit (Export Receivables & Import Bill Discounting)
. Product underwriting: Size and structure Export Receivable Finance (invoice discounting) and Import Bill Discounting (under LC/Collections) align advance/discount rates, margins,and max usance/tenor to trade cycles and liquidity.
. Counterparty & country/bank risk: Assess buyers, suppliers, issuing/confirming banks,and countries use external reports/references run sanctions/AML identify trade-based money laundering risks.

Must-Have Skills & Experience

. 6-8 years of credit underwriting experience in Supply Chain Finance (NBFC/Bank/Fintech).
. Strong financial analysis capability-P&L, balance sheet, cash flows, GST, banking behaviour,ratios.
. In-depth understanding of SCF models (receivables, payables, distributor/vendor finance).
. Hands-on experience with credit bureaus, KYC/AML checks, invoice/GST validations.
. Direct exposure to export receivables finance and import bill discounting underwriting (buyer supplier analysis, country risk, program & per-buyer, seller limits).
. Comfort working with LMS, scorecards, risk models, and underwriting workflows.
. Advanced Excel skills (Lookups, Pivots), analytical mindset, and high accuracy

Soft Skills
. Strong ownership and follow-through.
. High attention to detail and disciplined execution.
. Ability to analyze large datasets and draw insights.
. Effective communicator with cross-functional collaboration ability.
. Comfortable working under timelines in a fast-growing NBFC setup.

Why Join Us
. Shape the credit risk foundation of a new-age NBFC from the ground up.
. Work at the intersection of Business, Risk, Legal, Tech & Governance.
. Be part of a disciplined, governance-first culture focused on long-term, high-quality portfolio growth.