Job Description:

- Credit Assessment and Approval:

- Analyze and assess creditworthiness of customers applying for supply chain finance and inventory funding.
- Review and evaluate financial statements, cash flows, bank statements, and market trends to determine customer risk profiles.
- Conduct due diligence, including business and industry risk analysis, to evaluate creditworthiness and recommend approval, rejection, or modifications to credit applications.

- Portfolio Management:

- Manage and monitor an assigned credit portfolio to ensure performance and compliance with bank policies.
- Regularly review client financial performance, monitor credit limits, and assess inventory funding exposures.
- Identify potential problem loans early, propose solutions, and manage delinquent accounts.

- Collaboration and Stakeholder Management:

- Work closely with the sales and relationship management teams to understand client requirements and provide solutions.
- Coordinate with risk, legal, and compliance teams to ensure adherence to regulatory and internal guidelines.
- Assist the Regional Credit Head in portfolio reviews,



regulatory reporting, and strategic initiatives.

- Credit Policy and Compliance:

- Ensure credit evaluations align with bank credit policies, industry standards, and risk appetite.
- Maintain accurate and up-to-date documentation, including financial statements, credit memos, and approval notes.
- Support audits, both internal and external, by providing documentation and insights on portfolio quality.

- Product Knowledge and Market Insights:

- Stay updated on market trends, regulatory changes, and developments in supply chain finance and inventory funding.
- Leverage industry insights to adjust risk assessment models and refine credit decision-making criteria.

- Team Development and Training:

- Provide guidance and support to junior credit analysts or team members, sharing knowledge on best practices and risk management.
- Conduct periodic training sessions on recent credit assessment techniques, product knowledge, and regulatory changes.

📌 Sr. Credit Manager-Wholesale Banking/Mumbai
🏢 Acura Solution
📍 Mumbai