Area Credit Manager -Supply Chain Finance

SkillLabs; Ashoknagar; On-site; INR 800,000 - 1,200,000; Full time

Job summary

SkillLabs is seeking a Credit Assessment and Underwriting professional in India to evaluate creditworthiness for supply chain finance solutions. The role involves analyzing financial statements, performing due diligence, and ensuring policy compliance across the assigned area.

Responsibilities include monitoring the credit portfolio, managing risk, and collaborating with internal teams to facilitate deal closures while ensuring regulatory adherence and timely decision making.

Qualifications

• Analyzing financial statements, cash flows, and bank statements to determine risk profiles.
• Conducting thorough due diligence, including business and industry risk analysis.
• Approving, rejecting, or modifying credit applications within established limits and policy guidelines.
• Implementing credit policies for the supply chain finance division across the assigned area.
• Ensuring all activities adhere to company policies, industry standards, and regulatory requirements.
• Reviewing and updating credit policies based on market needs and feedback.
• Portfolio management and monitoring to ensure quality and performance.
• Monitoring customer loan payments, credit limits, and overall exposure.
• Implementing early warning and monitoring mechanisms for the portfolio to identify potential problem loans and propose solutions for delinquent accounts.
• Overseeing Post Disbursement Documents (PDD) and covenant compliance.
• Collaboration with internal teams to facilitate deal closures and ensure seamless processes.
• Meeting with customers at regular intervals to understand industry dynamics and market conditions.

Responsibilities

• Evaluate creditworthiness of potential and existing customers for supply chain finance solutions.
• Assess risk by analyzing financial data and statements.
• Perform due diligence and risk analysis before credit approvals.
• Ensure adherence to credit policies and regulatory requirements.
• Collaborate with sales, risk, and operations teams to close deals and monitor portfolio health.

Job description

• Credit Assessment and Underwriting: Evaluate the creditworthiness of potential and existing customers (suppliers, distributors, etc.) applying for supply chain finance solutions. This includes:
• Analyzing financial statements, cash flows, and bank statements to determine risk profiles.
• Conducting thorough due diligence, including business and industry risk analysis.
• Approving, rejecting, or modifying credit applications within established limits and policy guidelines.
• Policy Implementation and Compliance: Implement and administer credit policies for the supply chain finance division across the assigned area.
• Ensure all activities adhere to company policies, industry standards, and legal/regulatory requirements.
• Review and update credit policies based on market needs and feedback.
• Portfolio Management and Monitoring: Manage and monitor the assigned credit portfolio to ensure quality and performance.
• Monitor customer loan payments, credit limits, and overall exposure.
• Implement "Early Warning" and monitoring mechanisms for the portfolio to identify potential problem loans and propose solutions for delinquent accounts.
• Oversee the management of Post Disbursement Documents (PDD) and covenant compliance.
• Collaboration and Stakeholder Management: Work closely with internal teams (sales, relationship management, risk, legal, collections, operations) to facilitate deal closures and ensure seamless processes.
• Meet with customers at regular intervals to understand industry dynamics and market conditions.