Senior Credit Manager - Supply Chain Finance - Banking - CA

Job Description:

- The company is a technology-based digital financing platform focused on providing quick, flexible, and adequate funds to small businesses. It is a pioneer in ecosystem-based digital lending for small businesses, having disbursed over 100,000+ loans across 3,200+ cities without physical branches.

- The platform leverages technology and risk models that utilize alternate/surrogate methods for customer scoring, with 100% digital origination and over 100 embedded partnerships. The company is seeking a Senior Manager for Credit in Supply Chain Finance to oversee credit risk frameworks and portfolio performance, contributing to its growth in the MSME ecosystem.

Experience Range: 5 - 8 years

Educational Qualifications: CA

Job Responsibilities:

- Oversee the company's credit policies, procedures and processes related to SCF and business, ensuring all risks are addressed appropriately through evaluation and developing required risk frameworks

- Directly responsible for the credit quality and risk performance of the company and the SCF businesses

- Develop and review Early Warning System (EWS) reports

- Periodic review of portfolio in accordance with current Industry scenario and recent RBI Circular, making amendments to Policy accordingly

- Keeping a tab on external economic environment, regulatory policies and competition with a view to ensure strong business growth

- Ensuring system automation for improving team efficiency and productivity

- Using data analytics to develop insights into credit risk trends, identify emerging risks, and optimize credit risk management strategies

Skills Required:

Credit Risk Management , Portfolio Management , Supply Chain Finance , Risk Framework Development , Policy Development , Early Warning Systems (EWS) , Regulatory Compliance , Market Analysis , System Automation , Data Analytics , Credit Assessment , Communication , Presentation , Leadership , Problem Solving , Business Acumen , Wholesale Corporate Lending , Unsecured Credit , Financial Credit Assessment

Candidate Attributes:

- Highly driven and motivated individual with ability to get hands-on where required

- Ability to communicate, present and influence all levels of the organization, including executive and C-levels

- Ability to motivate and develop a strong team

- Problem solving approach

- Strong business acumen

- 5 - 8 years experience required in the credit/risk department related to supply chain financing and/ or wholesale corporate lending

- Strong understanding of operational, legal and credit risk across the full range of industries

- Should have experience in unsecured and financial based credit assessment