About ePayLater

ePayLater is a leading financial solutions provider headquartered in Mumbai. Since 2015, we’ve been at the forefront of delivering innovative credit products for businesses across India. Our mission is to simplify financial processes and empower businesses with access to capital through supply chain finance solutions and strategic lending partnerships.

About the Role

We are looking for a seasoned and strategic credit leader to join our dynamic team as the Senior Manager – Credit. This individual will head the credit function at ePayLater, overseeing credit strategy, risk assessment, underwriting, and portfolio management for our own book and co-lending-based supply chain finance programs.

Key Responsibilities

- Design and execute a comprehensive credit risk strategy for ePayLater’s supply chain finance programs (own book and co-lending).
- Lead the development and implementation of credit scoring models and decisioning frameworks tailored to our products.
- Oversee the end-to-end credit lifecycle — onboarding, credit assessment, approvals/rejections, monitoring, and portfolio reviews.
- Minimize credit losses through effective delinquency management and targeted collection strategies.
- Collaborate with Product, Business Development, and Operations teams to ensure alignment with the overall credit strategy.
- Ensure compliance with all regulatory requirements, especially those related to supply chain finance and co-lending.
- Build and maintain strong partnerships with credit bureaus, data providers,



and lending partners.
- Develop a high-performing credit team through recruitment, training, and performance management.
- Analyze credit performance data to support data-driven strategic decision-making.

Qualifications

- Minimum 2+ years of experience in credit risk management, preferably in the FinTech or trade finance space.
- In-depth knowledge of credit risk analytics, scoring models, and decisioning methodologies specific to supply chain finance.
- Hands-on experience with credit policies and procedures for supply chain finance products (own book & co-lending).
- Strong communication and stakeholder management skills.
- Proficiency in data analysis and risk evaluation techniques.
- Entrepreneurial mindset with a passion for innovation in financial services.

Bonus Points

- Prior experience in the Indian supply chain finance sector.
- Understanding of co-lending structures and regulatory requirements.
- Familiarity with alternative data sources for B2B credit assessment.
- Expertise in handling large and complex datasets.

What We Offer

- Leadership prospect in a fast-growing and innovative FinTech environment.
- A platform to shape the credit strategy for disruptive financial solutions.
- Competitive compensation and benefits.
- A collaborative, passionate, and high-growth work culture.

To Apply

If you're a forward-thinking credit professional excited about transforming the B2B lending landscape, we’d love to hear from you.

📌 Credit Risk (Mumbai)
🏢 ePayLater
📍 Mumbai