Role Description

- Credit Underwriting: Evaluate credit proposals, conduct financial and business due diligence, assess risks, and make or recommend credit decisions within delegated authority.

- Risk Assessment & Mitigation: Identify industry, business, financial, management, and facility-related risks, and recommend suitable mitigation measures.

- Portfolio Management: Monitor portfolio performance, credit exposures, loan covenants, and repayment trends to maintain portfolio quality.

- Early Warning & Exposure Control: Identify early warning signals, assess deteriorating credit quality, and develop strategies to control or reduce risk exposures

- Policy & Process Improvements: Review and update credit policies, risk frameworks, lending norms, approval processes, and automation initiatives in line with business and regulatory requirements.

- Business Growth & Coordination: Work closely with Sales and Business teams to structure suitable credit proposals, support business growth, and ensure timely approvals and disbursements.

- Stakeholder Management: Coordinate with internal teams, channel partners, legal, collections, and senior management to facilitate effective credit decisions and resolve queries.

- Turnaround Time (TAT): Ensure timely credit appraisal and approvals without compromising assessment quality or risk standards.

- Compliance & Regulatory Requirements: Ensure adherence to regulatory guidelines, internal policies, understanding of the regulatory environment, including Anti-Money Laundering.

- Risk Monitoring & Reporting: Monitor Key Risk Indicators (KRIs), PDD movement, portfolio performance, vendor management, and compliance matters through regular MIS reports.

- Analytics & Management Reporting: Prepare and analyze portfolio reports, performance metrics,



and risk analytics to support management decisions and policy formulation.

- Audit Management: Support business audits, resolve audit queries, and incorporate audit findings into credit assessment and risk management processes.

- Sales Team Guidance: Communicate credit assessment standards, provide feedback on declined proposals, and train sales teams and channel partners on documentation and credit requirements.

- Team Leadership & Development: Lead, train, and mentor the credit team, strengthen underwriting capabilities, and promote accountability and continuous learning.

- Risk Culture & Strategy: Develop and implement effective credit risk management strategies, promote risk awareness across business teams, and balance business growth with prudent lending practices.

Qualifications

- Strong Credit Management skills, including credit appraisal, structuring, and portfolio oversight in supply chain or commercial lending.
- Robust Analytical Skills for interpreting financial statements, cash flows, risk indicators, and market data to support sound credit decisions.
- Solid foundation in Finance, with understanding of banking products, supply chain finance structures, and regulatory guidelines.
- Clear and skilled Communication skills, including the ability to present credit recommendations and write concise credit notes.
- Proven experience (8 years) in corporate or commercial credit roles, preferably in banks, NBFCs, or fintechs.
- Relevant academic background such as a degree in Finance, Economics, Business, or a related field; professional certifications (e.g., CA, CFA, MBA) are an advantage.
- Familiarity with risk management frameworks, regulatory requirements, and internal audit standards in financial services.

CVs to be emailed on [email protected] / [email protected]

📌 Credit Lead- Supply Chain Finance (VP) (Mumbai)
🏢 SearchX
📍 Mumbai