Assistant Manager Credit (Supply Chain Finance)

Role Overview

As an Assistant Manager Credit (Supply Chain Finance) you will own the end-to-end underwriting cycle for Supply Chain Finance programsfrom eligibility assessment and financial analysis to credit memo preparation risk evaluation due diligence and portfolio monitoring.

Underwrite and monitor Cross-Border SCFExport Receivables (recourse/non-recourse buyer & country risk) and Import Bill Discounting (LC/Collections bills bank/issuer risk) with program & percounterparty limits covenants and early warning signals (EWS).

You will collaborate closely with Business Operations Legal Tech and anchor/vendor partners to build a high quality credit portfolio while maintaining strong governance and risk controls.

A) Intake & Preliminary Assessment

Review login files received from Business/Originations for completeness (KYC financials bank data GST invoices anchor/vendor documentation comfort letters etc.).

Perform eligibility screening through credit bureau pulls (CIBIL/CRIF/Experian/Equifax) and summarize key bureau insights.

Run KYC/AML/PEP/sanctions checks (including CKYC) highlighting deviations and red-flag indicators.

Prepare a CAM-lite summary: business snapshot banking behaviour bureau highlights anchor/vendor dynamics GST trends and checklist gaps.

Where appropriate conduct reference checks and site/virtual visits; identify UBO/relatedparty links.

B) Full-Cycle Underwriting

Analyze financial statements GST data cash flows and bank behaviour to assess borrower repayment capacity.

Evaluate anchor/vendor program structures including exposure concentration risk payment cycles invoice quality and counterparty performance.

Assess SCF product fitment for receivables payables distributor/vendor financing and anchor-led programs.

Prepare detailed Credit Assessment Memos (CAMs) including risk ratings mitigants pricing justification covenants and recommendations.

Validate documentation requirements (agreements undertakings board resolutions comfort letters guarantees etc.) in coordination with Legal.

C) Risk Evaluation & Decisioning

Identify early warning signalsGST anomalies invoice ageing cash flow gaps banking stress patterns anchor delays.

Conduct fraud checks and verify authenticity of invoices IRNs anchor/vendor relationships and trade flows.

Assess program-level risks: industry cycles anchor concentration supply-chain disruptions seasonality and counterparty risks.

Present credit cases to internal committees; provide clear justification of risks deviations and recommended structures.

D) Post-Approval & Disbursal Readiness

Validate compliance with sanction conditions covenants and documentation checklists before disbursal.

Review invoice eligibility limit setting pricing/tenor alignment and anchor/vendor linkages.

Coordinate with Operations for seamless execution of approved deals.

E) Portfolio Monitoring & Risk Controls

Monitor borrower/anchor/vendor performance through MIS bank/GST data ageing buckets utilisation delinquencies and exceptions.

Track NPA/DPD movement and recommend corrective actions such as limit resizing restructuring or enhanced monitoring.

Support monthly credit bureau reporting by validating loan statuses and remedying disputes.

Assist with regulatory reporting (where credit input is required) internal audit readiness and periodic policy/SOP improvements.

F) Stakeholder Management

Contribute to credit policy/SOP updates.

Collaborate with Business for structuring solutions and understanding client requirements.

Partner with Operations for documentation disbursals and servicing validations.

Work with Legal Compliance and Tech teams to align risk frameworks workflows and system-level controls.

Engage with anchors/vendors for clarifications program assessment and data validation.

G) Cross-Border SCF Credit (Export Receivables & Import Bill Discounting)

Product underwriting: Size and structure Export Receivable Finance (invoice discounting) and Import Bill Discounting (under LC/Collections); align advance/discount rates margins and max usance/tenor to trade cycles and liquidity.

Counterparty & country/bank risk: Assess buyers suppliers issuing/confirming banks and countries; use external reports/references; run sanctions/AML; identify trade-based money laundering risks.

Must-Have Skills & Experience

68 years of credit underwriting experience in Supply Chain Finance (NBFC/Bank/Fintech).

Strong financial analysis capabilityP&L balance sheet cash flows GST banking behaviour ratios.

In-depth understanding of SCF models (receivables payables distributor/vendor finance).

Hands-on experience with credit bureaus KYC/AML checks invoice/GST validations.

Direct exposure to export receivables finance and import bill discounting underwriting

(buyer supplier analysis country risk program & per-buyer seller limits).

Comfort working with LMS scorecards risk models and underwriting workflows.

Advanced Excel skills (Lookups Pivots) analytical mindset and high accuracy.

Soft Skills

Strong ownership and follow-through.

High attention to detail and disciplined execution.

Ability to analyze large datasets and draw insights.

Effective communicator with cross-functional collaboration ability.

Comfortable working under timelines in a fast-growing NBFC setup.

About Us

We are a newly established credit focused NBFC committed to enabling access to finance for MSMEs and underserved retail borrowers across India. Our mission is to build a modern techenabled lending platform that delivers responsible credit at scale.

Our parent AVANA Companies () is a U.S. based group of credit and finance companies specializing in lending to specific niche industries that were highly knowledgeable in such as hospitality construction and traditional Commercial Real Estate (CRE) because it enables us to provide the best possible service for our borrowers and minimize risk for our investors. We focus on helping small business owners and real estate developers across the USA by offering quick adaptable and dependable financing.

Based in Glendale Arizona our financial services firm stands at the forefront of the industry embracing innovation and fostering a culture of excellence.

Founded in 2002 we have originated loans more than $6.5 Billion and managed $1 Billion assets for our investors.

Why Join Us

Shape the credit risk foundation of a new-age NBFC from the ground up.

Work at the intersection of Business Risk Legal Tech & Governance.

Be part of a disciplined governance-first culture focused on long-term high-quality portfolio growth.