Credit Risk

ePayLater; Mumbai City; On-site; INR 3,500,000 - 6,000,000; Full time

Benefits offered by this job

Leadership opportunity

Competitive compensation and benefits

High-growth environment

Collaborative culture

Job summary

ePayLater, based in Mumbai, seeks a Senior Manager Credit to lead the credit function and shape strategy for its own book and co-lending supply chain finance programs.

You will drive risk assessment, underwriting, and portfolio management while collaborating with product, business development, and operations to align credit initiatives with regulatory requirements.

Qualifications

• Minimum 2+ years of experience in credit risk management.
• In-depth knowledge of credit risk analytics and decisioning methodologies.
• Experience with credit policies and underwriting for supply chain finance products.
• Strong communication and stakeholder management skills.

Responsibilities

• Design and execute a comprehensive credit risk strategy for supply chain finance programs (own book and co-lending).
• Develop and implement credit scoring models and decisioning frameworks.
• Oversee onboarding, credit assessment, approvals/rejections, monitoring, and portfolio reviews.

Skills

Credit risk analytics

Decisioning methodologies

Data analysis

Stakeholder management

Leadership

Communication

Credit policy

Job description

About ePayLaterePayLater is a leading financial solutions provider headquartered in Mumbai. Since 2015, we've been at the forefront of delivering innovative credit products for businesses across India. Our mission is to simplify financial processes and empower businesses with access to capital through supply chain finance solutions and strategic lending partnerships.

About the Role

We are looking for a seasoned and strategic credit leader to join our dynamic team as the Senior Manager Credit. This individual will head the credit function at ePayLater, overseeing credit strategy, risk assessment, underwriting, and portfolio management for our own book and co-lending-based supply chain finance programs.

Key Responsibilities

• Design and execute a comprehensive credit risk strategy for ePayLaters supply chain finance programs (own book and co-lending).
• Lead the development and implementation of credit scoring models and decisioning frameworks tailored to our products.
• Oversee the end-to-end credit lifecycle onboarding, credit assessment, approvals/rejections, monitoring, and portfolio reviews.
• Minimize credit losses through effective delinquency management and targeted collection strategies.
• Collaborate with Product, Business Development, and Operations teams to ensure alignment with the overall credit strategy.
• Ensure compliance with all regulatory requirements, especially those related to supply chain finance and co-lending.
• Build and maintain strong partnerships with credit bureaus, data providers, and lending partners.
• Develop a high-performing credit team through recruitment, training, and performance management.
• Analyze credit performance data to support data-driven strategic decision-making.

Qualifications

• Minimum 2+ years of experience in credit risk management, preferably in the FinTech or trade finance space.
• In-depth knowledge of credit risk analytics, scoring models, and decisioning methodologies specific to supply chain finance.
• Hands-on experience with credit policies and procedures for supply chain finance products (own book & co-lending).
• Strong communication and stakeholder management skills.
• Proficiency in data analysis and risk evaluation techniques.
• Entrepreneurial mindset with a passion for innovation in financial services.
• Bonus PointsPrior experience in the Indian supply chain finance sector.
• Understanding of co-lending structures and regulatory requirements.
• Familiarity with alternative data sources for B2B credit assessment.
• Expertise in handling large and complex datasets.

What We Offer

• Leadership opportunity in a fast-growing and innovative FinTech environment.
• A platform to shape the credit strategy for disruptive financial solutions.
• Competitive compensation and benefits.
• A collaborative, passionate, and high-growth work culture.