Assistant Manager – Credit (Supply Chain Finance)

Role Overview

We are looking for a seasoned Credit Underwriting professional to own the end-to-end underwriting lifecycle for Supply Chain Finance (SCF) programs for our esteemed client. The role covers domestic and cross-border SCF , including Export Receivables Finance and Import Bill Discounting , with strong exposure to program structuring, risk assessment, and portfolio monitoring.

You will work closely with Business, Operations, Legal, Compliance, Tech, and anchor/vendor partners to build a high-quality, well-governed credit portfolio.

Key Responsibilities

Credit Intake & Assessment

• Review credit login files (KYC, financials, GST, invoices, banking, anchor/vendor docs)
• Run bureau checks (CIBIL / CRIF / Experian / Equifax) and KYC/AML/PEP/sanctions (incl. CKYC)
• Prepare CAM-lite summaries highlighting bureau insights, GST trends, banking behaviour, and risks

End-to-End Underwriting

• Analyze financial statements, cash flows, GST data, and bank statements
• Evaluate SCF structures (receivables, payables, distributor/vendor finance)
• Prepare detailed Credit Assessment Memos (CAMs) with risk ratings, covenants, mitigants, and pricing rationale
• Validate legal and program documentation with Legal teams

Risk Evaluation & Credit Decisioning

• Identify early warning signals (GST anomalies, ageing, anchor delays, cash flow stress)
• Perform fraud checks and invoice/IRN validations
• Present credit cases to internal committees with clear risk justification

Post-Approval & Portfolio Monitoring

• Ensure compliance with sanction conditions before disbursal
• Monitor portfolio performance (DPD, utilisation, delinquencies, exceptions)
• Recommend corrective actions (limit resizing, enhanced monitoring, restructuring)
• Support bureau reporting, audits, and policy/SOP improvements

Cross-Border SCF Exposure

• Underwrite Export Receivables Finance (recourse / non-recourse)
• Underwrite Import Bill Discounting (LC / Collection bills)
• Assess buyer, supplier, bank, and country risk
• Identify sanctions, AML, and trade-based money laundering risks

Must-Have Experience

• 68 years of credit underwriting experience in SCF (NBFC / Bank / Fintech)
• Strong financial analysis (P&L, BS, cash flows, GST, banking behaviour)
• Hands-on experience with credit bureaus, KYC/AML, invoice & GST validations
• Direct exposure to export receivables finance & import bill discounting
• Experience working with LMS, scorecards, underwriting workflows
• Advanced Excel skills (Pivots, Lookups)