Today, an Indian hospital revenue is largely dominated by Insurance payers - Govt + Private. With 200+ payers in the mix, the overall revenue cycle management (RCM) in India is broken, opaque, and complex filled with unexpected shortfalls and delayed realizations.
At Care.fi, we are building India's first AI-led RCM platform for hospitals which will enable them to solve these pitfalls and thereby improving margins. Backed by marquee investors such as Peak XV (erstwhile Sequoia India) we are already a trusted partner for top Indian brands including Apollo, Fortis, Narayana Health, and Aster Group.
About the Role
The Sr Credit Analyst (Supply Chain Finance) will be responsible for end-to-end credit assessment, underwriting, and portfolio monitoring for supply chain lending programs, including vendor financing, invoice discounting and insurance receivable financing.
Work closely with the business, risk, and operations teams to ensure prudent credit decisions while maintaining portfolio quality and supporting business growth.
Key Responsibilities
- Conduct detailed credit appraisal and financial analysis of borrowers (SMEs and Hospitals).
- Evaluate bank statements, financials, GST data, bureau reports, and other documents to assess creditworthiness.
- Prepare and present credit proposals / notes to the credit committee.
- Structure appropriate lending products within policy parameters.
- Coordinate with sales and operations for smooth onboarding and disbursal.
- Monitor portfolio health and highlight early warning signals (EWS) or stressed accounts.
- Support in policy formation, credit scoring model refinement, and process improvement initiatives.
Desired Skills & Competencies
- Strong understanding of supply chain finance, receivable financing, and MSME lending.
- Excellent analytical and financial statement interpretation skills.
- Proficiency in MS Excel, financial modeling, and credit tools.
- Sound knowledge of RBI/NBFC regulatory guidelines and risk frameworks.
- Strong interpersonal, communication, and presentation skills.
- Ability to work in a fast-paced, growth-oriented fintech environment.
Eligibility
- Experience: Minimum 3 years in credit underwriting / supply chain / SME / business loans (mandatory).
- Education: MBA in Finance (mandatory); CA preferred.
- Industry Preference: NBFCs, Banks, or Fintechs specializing in working capital finance.
What We Offer
- Opportunity to work in a fast-scaling fintech-NBFC with a strong credit culture.
- Exposure to innovative supply chain finance models and cutting-edge digital lending platforms.
- Competitive compensation and career growth opportunities.
