Lead - Credit - Supply Chain

1. Credit Assessment & Approval

- Conduct end-to-end credit appraisal for supply chain finance programs covering :

- Anchor (Buyer) evaluation

- Dealer/Distributor/Vendor credit assessment

Analyze :

- Financial statements, cash flows, banking conduct, and debt profiles

- Business model, industry risks, and supply chain dependencies

Recommend :

- Credit limits, tenor, pricing inputs, and security structures

- Program eligibility and onboarding criteria

- Prepare and present Credit Notes, CAMs, and Approval Memos to appropriate sanctioning authorities.

2. Program Structuring & Risk Mitigation

- Structure SCF programs aligned to anchor strength and trade flows

Identify and mitigate risks through :

- Transaction-backed structures

- Comfort letters / Undertakings

- Escrow and payment mechanisms

- Evaluate counterparty concentration risk, tenor risk, and dilution risk.

3. Portfolio Monitoring & Reviews :

Monitor portfolio health through :

- Periodic review of limits and exposure

- Early warning signals (EWS)

- Overdue and delinquency tracking

- Conduct annual/periodic credit reviews as per policy.

- Work proactively with Business and Collections teams to address stress and corrective actions.

4. Policy & Regulatory Compliance :

- Ensure compliance with:

- Internal Credit Policy

- RBI guidelines applicable to SCF / TReDS / exposures

- Support audits, inspections, and regulatory reviews.

- Contribute to policy refinements and risk framework enhancements for supply chain finance.

5. Stakeholder Management :

Partner closely with :

- Business / Relationship Managers

- Operations and Product teams

- Legal, Compliance, and Risk colleagues

- Provide credit guidance and structuring support to enable scalable and safe growth.