As an Assistant Manager – Credit (Supply Chain Finance), you will own the end-to-end
underwriting cycle for Supply Chain Finance programs—from eligibility assessment and financial
analysis to credit memo preparation, risk evaluation, due diligence, and portfolio monitoring.
Underwrite and monitor Cross-Border SCF—Export Receivables (recourse/non-recourse, buyer &

country risk) and Import Bill Discounting (LC/Collections bills, bank/issuer risk), with program & per-
counterparty limits, covenants, and early warning signals (EWS).

You will collaborate closely with Business, Operations, Legal, Tech, and anchor/vendor partners to
build a high-quality credit portfolio while maintaining strong governance and risk controls.
A) Intake & Preliminary Assessment

• Review login files received from Business/Originations for completeness (KYC, financials,

bank data, GST, invoices, anchor/vendor documentation, comfort letters, etc.).

• Perform eligibility screening through credit bureau pulls (CIBIL/CRIF/Experian/Equifax) and

summarize key bureau insights.

• Run KYC/AML/PEP/sanctions checks (including CKYC), highlighting deviations and red-flag

indicators.

• Prepare a CAM-lite summary: business snapshot, banking behaviour, bureau highlights,

anchor/vendor dynamics, GST trends, and checklist gaps.

• Where appropriate, conduct reference checks and site/virtual visits; identify UBO/related-

party links.

B) Full-Cycle Underwriting

• Analyze financial statements, GST data, cash flows, and bank behaviour to assess borrower

repayment capacity.

• Evaluate anchor/vendor program structures including exposure, concentration risk,

payment cycles, invoice quality, and counterparty performance.

• Assess SCF product fitment for receivables, payables, distributor/vendor financing and

anchor-led programs.

• Prepare detailed Credit Assessment Memos (CAMs) including risk ratings, mitigants,

pricing justification, covenants, and recommendations.

• Validate documentation requirements (agreements, undertakings, board resolutions,

comfort letters, guarantees, etc.) in coordination with Legal.
C) Risk Evaluation & Decisioning

• Identify early warning signals—GST anomalies, invoice ageing, cash flow gaps, banking

stress patterns, anchor delays.

• Conduct fraud checks and verify authenticity of invoices, IRNs, anchor/vendor relationships,

and trade flows.

• Assess program-level risks: industry cycles, anchor concentration, supply-chain disruptions,

seasonality, and counterparty risks.

• Present credit cases to internal committees; provide clear justification of risks, deviations,

and recommended structures.
D) Post-Approval & Disbursal Readiness

• Validate compliance with sanction conditions, covenants, and documentation checklists

before disbursal.

• Review invoice eligibility, limit setting, pricing/tenor alignment, and anchor/vendor

linkages.

• Coordinate with Operations for seamless execution of approved deals.

E) Portfolio Monitoring & Risk Controls

• Monitor borrower/anchor/vendor performance through MIS, bank/GST data, ageing

buckets, utilisation, delinquencies, and exceptions.

• Track NPA/DPD movement and recommend corrective actions such as limit resizing,

restructuring, or enhanced monitoring.

• Support monthly credit bureau reporting by validating loan statuses and remedying

disputes.

• Assist with regulatory reporting (where credit input is required), internal audit readiness,

and periodic policy/SOP improvements.
F) Stakeholder Management

• Contribute to credit policy/SOP updates.
• Collaborate with Business for structuring solutions and understanding client requirements.
• Partner with Operations for documentation, disbursals, and servicing validations.
• Work with Legal, Compliance, and Tech teams to align risk frameworks, workflows, and

system-level controls.

• Engage with anchors/vendors for clarifications, program assessment, and data validation.

G) Cross-Border SCF — Credit (Export Receivables & Import Bill Discounting)

• Product underwriting: Size and structure Export Receivable Finance (invoice discounting)

and Import Bill Discounting (under LC/Collections); align advance/discount rates, margins,
and max usance/tenor to trade cycles and liquidity.

• Counterparty & country/bank risk: Assess buyers, suppliers, issuing/confirming banks,

and countries; use external reports/references; run sanctions/AML; identify trade-based
money laundering risks.
Must-Have Skills & Experience

• 6–8 years of credit underwriting experience in Supply Chain Finance (NBFC/Bank/Fintech).
• Strong financial analysis capability—P&L, balance sheet, cash flows, GST, banking behaviour,

ratios.

• In-depth understanding of SCF models (receivables, payables, distributor/vendor finance).
• Hands-on experience with credit bureaus, KYC/AML checks, invoice/GST validations.
• Direct exposure to export receivables finance and import bill discounting underwriting

(buyer supplier analysis, country risk, program & per-buyer, seller limits).

• Comfort working with LMS, scorecards, risk models, and underwriting workflows.
• Advanced Excel skills (Lookups, Pivots), analytical mindset, and high accuracy.

Soft Skills

• Strong ownership and follow-through.
• High attention to detail and disciplined execution.
• Ability to analyze large datasets and draw insights.
• Effective communicator with cross-functional collaboration ability.
• Comfortable working under timelines in a fast-growing NBFC setup.