Assistant Manager – Credit (Supply Chain Finance)

Role Overview

• 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 summarize 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.
• Full-Cycle Underwriting
• Analyze 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.
• Risk Evaluation & Decisioning
• Identify early warning signals—GST anomalies, invoice ageing, cash flow gaps, banking stress patterns, anchor delays.
• Conduct fraud checks and verify 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.
• 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.
• 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.
• 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.
  

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.
• 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.