Credit Risk Role - Supply Chain Finance

2014PCVV - Credit Risk - Supply Chain Finance

- Assessment & mitigation of risk in Anchor-led business by thoroughly analyzing dealers' and vendors' financials, business model, banking, and hygiene checks

- Monitoring of SCF book and Collections: Setting up a framework for monitoring, collections and implementing the same

- Meeting the dealers and vendors, and inspection of units, factories, and godowns for underwriting and assessment of their needs

- Ensure credit process and credit policy are implemented while approving and recommending supply chain cases

- Engaging with the Business team for Anchor level assessment, and program features

- Maintain TAT while Responsible for underwriting supply chain finance business

- Taking reference checks from the market for dealers and suppliers

- Monitoring escrow churns/credits

- Tech build-out / credit filter coding

- Periodical / Annual review of existing cases

- Portfolio Hygiene, manage periodic Stock Audits, follow up for PDDs, insurance, and escrow arrangements

- Providing inputs on building internal Controls, credit risk, and underwriting programs for Supply chain finance

- Tracking next due payments through MIS

Job Requirements:

- Master's degree in Finance / CFA

- 7-8 years of relevant experience in financial services (specifically working capital credit appraisal)

- Experience with the Credit rating agencies, banks, and NBFCs will be preferred

- Should be good with numbers and be able to analyze balance sheets and P&L

- Having the ability to interact with promoters / CXOs of SMEs and glean information through physical discussions

- Experience in appraising working capital loans / Supply Chain finance cases for SMEs

- Ability to gather market intelligence regarding borrowers

- Ability to work in a fast-paced, dynamic environment

- Ability to juggle multiple priorities and work in a team

- Excellent communication and presentation skills