ROLE SPECIFICATION
Role Title
ACM - SCF
Employee Interviewed
RCM
Reports To
RCM
Company
Muthoot Fincorp Limited
Function/Department
Credit – Supply Chain Finance
Location
Written By
Approved By (Functional)
NCH
Approved By (People & Culture)
Date (Written On)
30.06.2026
ROLE SUMMARY
The Senior Area Credit Manager is responsible for maintaining the health, quality, and growth of the credit portfolio across a designated geographic area. This is an individual role involving under writing, CAM preparation, Financial analysis, managing credit risk for supply chain finance for borrowers and Anchors cases, ensuring strict compliance with credit policy, and leveraging digital tools to drive processing efficiency.
ORGANIZATIONAL CHART
KEY RESPONSIBILITIES
Operations & Transactional
Digital Underwriting & Technical Assessment
- Automated Data Appraisal: Analyze automated banking reports and OTP-based GST reports to verify cash flows, business turnover, and tax compliance.
- Bureau Evaluation:
Assess credit bureau parameters (e.g., CIBIL/Experian commercial and personal scores) to evaluate repayment track records and leverage.
- Program-Based Onboarding: Onboard small-time manufacturers and traders strictly against predefined credit program parameters.
- Scoring Model Management: Input data into credit scoring models to derive automated credit decisions. Proactively identify gaps in the model and suggest fine-tuning of scoring norms to risk teams.
Advanced Underwriting & Structured Finance
- High-Ticket Financial Analysis: Conduct deep-dive financial analysis (Balance Sheet, P&L;, Ratio analysis) for larger exposure/high-ticket proposals.
- Supply Chain Finance (SCF): Assess vendor/dealer credit limits by cross-referencing and validating purchase data against GST and Anchor ledger data.
- Deviation Management: Recommend and justify credit deviations with solid mitigating factors when a file falls outside standard program param
📌 Area Credit Manager (Indore)
🏢 Muthoot Fincorp
📍 Indore
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