Credit Manager

About Supermoney

Supermoney is India's leading MSME Supply Chain Finance (SCF) platform, dedicated to revolutionizing how working capital is accessed by businesses across the country. We partner with over 50 of India's top corporate anchors to provide seamless, technology-driven financing solutions to their network of over 300,000 MSME dealers, distributors, and vendors.

Our mission is to empower every link in the supply chain, ensuring businesses have the capital they need to thrive and grow. At Supermoney, we are not just financing businesses; we are building a more resilient and efficient economic ecosystem. If you are driven to solve complex financial challenges and make a tangible impact on India's MSME sector, join our team of innovators.

The Role: Credit Manager

As a Credit Manager at Supermoney, you will be at the heart of our mission driving credit evaluation and risk management both for our in-house NBFC and lending partners. You will be a critical pillar of our risk management framework, responsible for evaluating and underwriting credit proposals for our diverse supply chain finance programs. You will play a key role in balancing rapid business growth with the maintenance of a healthy and robust portfolio, directly contributing to our sustainable success.

Key Responsibilities:

• Credit Underwriting: Conduct comprehensive credit appraisals and in-depth financial analysis of corporate anchors and their MSME partners (dealers, vendors).
• Risk Assessment: Prepare detailed Credit Appraisal Memos (CAMs), highlighting key risks, mitigants, and presenting recommendations for sanctioning to senior management and credit committees.
• Policy & Process: Assist in the development, implementation, and refinement of credit policies and underwriting frameworks to ensure they are robust and scalable.
• Portfolio Management: Continuously monitor the health of the allocated portfolio, track covenant compliance, and identify early warning signals to mitigate potential risks.
• Stakeholder Collaboration: Work closely with the Business Development, Sales, and Operations teams to ensure seamless deal structuring, documentation, and disbursement while maintaining TAT.
• Industry Analysis: Stay updated on industry trends, economic indicators, and regulatory changes to inform credit decisions and strategy.

Qualifications & Skills:

• Experience: 2-6 years of proven experience in SME credit underwriting and risk management, preferably within a Bank, NBFC, or a leading Fintech.
• Domain Expertise: Direct experience in underwriting Supply Chain Finance, Dealer Finance, Vendor Finance, or other SME loan products is highly desirable.
• Analytical Prowess: Strong ability to analyze financial statements, crunch numbers, and build financial models to assess creditworthiness.
• Technical Skills: Proficient in MS Office with the ability to present findings clearly to senior stakeholders.
• Mindset: A proactive, detail-oriented individual who can manage multiple priorities and thrives in a fast-paced, dynamic environment.

Education:

• CA (Chartered Accountant) or MBA in Finance from a reputed institution.