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.

Qualification -MBA, PGDM, Chartered Accountant (CA)

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.

Work Timings:

9.00 AM to 6.00 PM

Monday to Friday

Client Details :

The company (a U.S.-based small business lender) is a newly established, credit-focused NBFC (Non-Banking Financial Company) in India, committed to expanding access to finance for MSMEs and underserved retail borrowers across the country.

The company's mission is to build a modern, tech-enabled lending platform that delivers responsible, scalable credit solutions, helping to close the financial inclusion gap in Indias emerging markets.