Job Requirements

Role/Job Title: Senior Credit Analyst - Supply Chain Finance

Function/Department: Wholesale Banking Risk - Supply Chain Finance

Job Purpose: The role holder will be responsible for credit appraisal and risk assessment of Supply Chain Finance customers, including anchor-led and ecosystem-based financing programs. The incumbent will evaluate onboarding proposals, assess creditworthiness of anchors, dealers, distributors, vendors and borrowers under SCF programs, and recommend recent as well as existing relationships for approval. The role will also be responsible for portfolio monitoring, risk containment, delinquency management, program reviews, and coordination with business, product, operations, legal, compliance, and other internal stakeholders.

The role holder will provide industry insights, monitor emerging risks, and support portfolio quality through proactive review and risk mitigation measures.

Roles & Responsibilities: Conduct detailed credit appraisal and risk assessment of Supply Chain Finance proposals in line with the Bank's credit policies and regulatory guidelines.

Evaluate anchor programs, dealer/vendor/distributor ecosystems, transaction structures, and cash-flow based financing solutions. Review, recommend,



approve/reject credit proposals based on risk assessment, portfolio considerations, program viability, and business sustainability.

Assess and monitor early warning indicators, portfolio triggers, concentration risks, and delinquency trends across SCF programs. Ensure adherence to credit policies, risk appetite framework, underwriting standards, and regulatory requirements.

Perform periodic program reviews and portfolio monitoring to identify emerging risks and recommend corrective actions. Engage with business teams to structure deals while maintaining prudent risk controls. Facilitate regular asset quality reviews and provide analytical insights to improve portfolio performance.

Support implementation of risk monitoring frameworks and strengthen portfolio governance across the SCF business. Capture and share best practices, market intelligence, and industry developments within the team.

Experience: 10+ years of experience in Credit Risk Underwriting, Supply Chain Finance, Working Capital Financing, Trade Finance, Commercial and Wholesale Banking (Candidates with relevant SCF underwriting experience will be preferred)

📌 Senior Credit Analyst (Mumbai)
🏢 IDFC FIRST Bank
📍 Mumbai