Area Credit Manager- Supply Chain Finance

Role & responsibilities

• Review and validate credit workings, financial analysis, and reports prepared by CPA teams; identify discrepancies and ensure accurate and timely credit decisioning as per SCF credit policy.
• Conduct detailed assessment of borrower business models, including evaluation of business viability, managerial capability, operational strength, and financial standing; carry out PDs, customer meetings, and unit visits where required.
• Perform in-depth financial analysis of SCF proposals to identify trends, risks, deviations, and early warning signals, and document them appropriately in Credit Appraisal Memos (CAM).
• Prepare, review, and recommend credit proposals to approving authorities with clear, structured credit rationale and analytical insights.
• Ensure completion of all credit processes, desktop checks, due diligence requirements, and compliance checkpoints within defined turnaround time (TAT).
• Maintain high standards of audit and review outcomes with minimal errors, ensuring strong compliance and governance discipline.
• Monitor portfolio performance, control delinquency levels including 30+ and 90+ DPD buckets, and manage accounts with early warning signs in line with management action plans.
• Maintain credit cost and portfolio quality as per organizational targets and annual operating plan.
• Drive productivity and performance of the CPA/credit team; hire CPAs as per approved AOP and actively control attrition.
• Ensure timely preparation and circulation of MIS and credit dashboards for management and stakeholders.
• Ensure 100% team participation in mandatory trainings, compliance modules, HR initiatives, and surveys.
• Work effectively on LOS/LMS and other digitized credit platforms to support operational efficiency.
• Participate in new policy initiatives, programs, and projects, and support additional locations or responsibilities as assigned by management.

Preferred candidate profile

Education

• CA / MBA (Finance) or equivalent qualification

Work Experience

• Minimum 5 years of relevant experience in Credit underwriting within Supply Chain Finance (Dealer & Vendor Finance)
• Experience in NBFC / Banking environment preferred

Location Requirement

• Current job location must be Lucknow