Credit Head – Supply Chain Finance

Job Purpose To lead and manage the end-to-end credit underwriting function for the Supply Chain Finance (SCF) vertical, ensuring robust credit assessment, policy design and portfolio health. Roles & Responsibilities Credit Underwriting & Approval: Lead credit assessment and underwriting for supply chain finance Evaluate financial and non-financial risk parameters of SMEs, dealers, distributors, vendors, and anchors. Approve cases within defined authority and recommend others to the credit committee. Policy & Process Development: Collaborate with Policy, Product to develop and regularly update credit policies, scorecards, and risk frameworks tailored to supply chain finance. Portfolio Monitoring & Risk Management: Proactively manage credit risk and take corrective actions to minimize NPAs. Monitor portfolio health through early warning systems, delinquency trends. Stakeholder Management: Work closely with business, operations, legal, and collections teams to ensure seamless onboarding and risk containment. Liaise with anchors/ channel partners to align on credit structures and due diligence. Team Leadership: Build and lead a high-performing credit team, ensuring high standards of analysis and governance. Qualification & experience MBA/CA/CFA or equivalent professional degree. 10–15 years of credit experience in NBFCs/Banks, with at least 5 years in supply chain finance. Essential skills Deep understanding of anchor-based financing, channel finance, dealer/vendor funding Strong grasp of financial statement analysis, cash flow-based lending, and credit structuring with the ability to negotiate financial deals. Proven track record in balancing growth and risk in dynamic lending environments. Strong leadership, communication, and stakeholder management skills High ownership, proactive problem-solver, and self-driven. Ideal candidate (in terms of current role/ organization/ industry) Currently in a Credit Leadership role in NBFCs with a strong supply chain finance or SME lending vertical. Banks managing working capital limits, trade finance, or SCF for mid-market and SME clients. Comfortable working in fast-paced , entrepreneurial , or scaling organizations with evolving product lines.

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