Area Credit Manager- Supply Chain Finance

Hero Fincorp Ltd.; Lucknow; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Hero Fincorp Ltd. in Lucknow seeks an experienced Credit Underwriter to review and validate credit analyses for SCF proposals. You will assess borrower viability, financial health, and management capability, conducting meetings and site visits as required.

The role emphasizes preparing CAMs, presenting to approving authorities, ensuring compliance, and maintaining portfolio quality with timely MIS. 5+ years in credit underwriting within SCF is preferred.

Qualifications

• CA/MBA (Finance) or equivalent required.
• Minimum 5 years of relevant experience in credit underwriting in Supply Chain Finance.

Responsibilities

• Review and validate credit workings and reports by CPA teams per SCF credit policy.
• Assess borrower business models including viability, managerial capability, and financial standing; conduct PDs and visits as needed.
• Prepare, review, and recommend credit proposals with clear rationale and insights.
• Ensure completion of all credit processes, due diligence, and compliance within defined TAT.
• Monitor portfolio performance and manage delinquency in 30+ and 90+ DPD buckets.

Skills

Credit underwriting

Financial analysis

Policy compliance

Education

CA / MBA (Finance) or equivalent qualification

Tools

LOS/LMS systems

Job description

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