Job Description:

Role Overview
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 robust 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 summarise 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
• Analyse 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 documentatio

📌 Assistant Manager – Credit (Pune)
🏢 Mantras2Success
📍 Pune