Role Overview:

The Credit Head - Supply Chain Finance will be responsible for leading the end-to-end credit underwriting, approval, and portfolio risk management for SCF products. The role demands strong domain expertise in supply chain finance, leadership capability to manage large credit teams, and strategic oversight to ensure asset quality, regulatory compliance, and sustainable portfolio growth.

Key Responsibilities:

1. Credit Underwriting & Approval:

- Assess, underwrite, and approve Supply Chain Finance credit proposals within delegated authority.

- Evaluate large ticket-size cases including Sales Invoice Financing, Purchase Invoice Financing, Dealer Financing, and Vendor Financing.

- Escalate proposals beyond authority limits to higher management or Credit Committees with appropriate risk mitigation strategies.

- Ensure sound credit judgment, adherence to underwriting standards, and timely decision-making.

2. Domain & Product Expertise:

Demonstrate strong working knowledge of Supply Chain Finance products such as:

- Dealer Financing

- Vendor Financing

- Sales Invoice Financing

- Purchase Invoice Financing

- Support business teams with credit structuring and product customization while maintaining risk discipline.

3. Team Leadership & Governance:

- Build, lead, and mentor a high-performing credit underwriting and risk management team.

- Establish best-in-class governance standards, approval hierarchies, and credit discipline.

- Conduct regular training and reviews to enhance team capability and consistency.

4. Policy & Process Development:

- Design, implement, and periodically review credit policies, underwriting frameworks, and scorecards specific to SCF products.

- Ensure strict adherence to internal policies, regulatory norms, and audit requirements.

- Streamline credit processes to improve turnaround time (TAT) without compromising risk quality.

5. Portfolio Monitoring & Risk Management:

- Monitor portfolio performance using Early Warning Systems (EWS), delinquency trends, and risk indicators.

- Take proactive corrective actions to control delinquencies and NPAs.

- Analyze portfolio concentration, sector exposure, and counterparty risks.

- Track external factors such as economic trends, industry developments, and RBI/regulatory updates, and recommend necessary policy or strategy adjustments.

Required Qualifications & Skills:

Educational Qualification:

- Preferably CA / CFA, or MBA in Finance from a reputed institute.

Experience:

- 10-15+ years of experience in Credit Risk Management.

- Minimum 5 years of direct experience in Supply Chain Finance.

- Currently working in a mid-to-senior credit leadership role (National / Zonal Head level) in an NBFC or Bank.

Technical & Functional Skills:

- Strong expertise in anchor-based financing and dealer/vendor funding structures.

- Excellent financial statement analysis, cash-flow assessment, and credit appraisal skills.

- Hands-on experience with portfolio analytics, EWS frameworks, and delinquency management.

- Strong understanding of regulatory guidelines and compliance norms applicable to NBFCs.

Key Competencies:

- Strategic thinking and risk-based decision-making

- Strong leadership and people management skills

- Stakeholder management (Business, Risk, Compliance, and Senior Management)

- High integrity and governance mindset