Credit Head – Supply Chain Finance

Job Purpose

To lead and manage the end-to-end credit underwriting function for the Supply Chain Finance (SCF) vertical, ensuring robust credit assessment, policy design and portfolio health.

Roles & Responsibilities

Credit Underwriting & Approval:

• Lead credit assessment and underwriting for supply chain finance
• Evaluate financial and non-financial risk parameters of SMEs, dealers, distributors, vendors, and anchors.
• Approve cases within defined authority and recommend others to the credit committee.

Policy & Process Development:

• Collaborate with Policy, Product to develop and regularly update credit policies, scorecards, and risk frameworks tailored to supply chain finance.

Portfolio Monitoring & Risk Management:

• Proactively manage credit risk and take corrective actions to minimize NPAs.
• Monitor portfolio health through early warning systems, delinquency trends.

Stakeholder Management:

• Work closely with business, operations, legal, and collections teams to ensure seamless onboarding and risk containment.
• Liaise with anchors/ channel partners to align on credit structures and due diligence.

Team Leadership:

• Build and lead a high-performing credit team, ensuring high standards of analysis and governance.

Qualification & experience

MBA/CA/CFA or equivalent professional degree.

10–15 years of credit experience in NBFCs/Banks, with at least 5 years in supply chain finance.

Essential skills

• Deep understanding of anchor-based financing, channel finance, dealer/vendor funding
• Strong grasp of financial statement analysis, cash flow-based lending, and credit structuring with the ability to negotiate financial deals.
• Proven track record in balancing growth and risk in dynamic lending environments.
• Strong leadership, communication, and stakeholder management skills
• High ownership, proactive problem-solver, and self-driven.

Ideal candidate (in terms of current role/ organization/ industry)

Credit Leadership role

• NBFCs

  with a strong supply chain finance or SME lending vertical.

• Banks

  managing working capital limits, trade finance, or SCF for mid-market and SME clients.
• Comfortable working in

  fast-paced

  ,

  entrepreneurial

  , or

  scaling organizations

  with evolving product lines.