Junior Manager - Credit - Supply Chain Finance - Working Capital - Mumbai

BFSI connect; Mumbai; On-site; INR 432,000 - 528,000; Full time

Job summary

BFSI connect seeks a Credit Manager in Mumbai (Andheri East) with CA or MBA in Finance and 2+ years in credit underwriting for SME, SCM finance or working capital. You will work in a fast-paced fintech environment to assess proposals and ensure policy compliance.

Ideal candidates will be strong in analytics, digital lending, and stakeholder training, with excellent communication and problem-solving abilities and a readiness to work from Andheri East.

Qualifications

• Strong knowledge of underwriting for SCM finance and SME loans.
• Understanding of digital lending ecosystems and regulatory considerations.
• Analytical mindset with attention to detail.

Responsibilities

• Diligently appraise loan proposals as per policy.
• Oversee quality control, policy adherence and compliance.
• Review credit policies and assist in special investigations.
• Hire and train credit underwriting staff and related stakeholders.
• Develop and monitor credit programs; upgrade team competency.

Skills

Underwriting in Supply Chain Finance /

Digital lending ecosystem

Analytical thinking

Interpersonal skills

Critical thinking & problem solving

Education

CA (Fresher or Experienced)

MBA in Finance

Job description

We are hiring for the role of Credit Manager based in Mumbai – Andheri East. If you are a CA Fresher or have experience in SME, Working Capital, or Supply Chain Finance, and are looking to grow in a fast-paced, performance-driven fintech environment, we would love to connect with you.

• Locations : Mumbai
• Experience : 2
• Listing Date : 19-06-2025
• Skills Required : Functional knowledge & experience in underwriting Supply Chain Finance / Working Capital SME Loans | Excellent knowledge of the digital lending ecosystem | Analytical proficiency & detail orientation | Good interpersonal skills | Critical thinking and problem-solving skills
• Pay Details : Up to 4.8 LPA for Exp. of up to 1 year or CA Fresher
• Must Have :

  • Qualification: CA (Fresher or Experienced) or MBA in Finance (Mandatory)

  • Experience:

    • CA Fresher with strong academic background, or

    • Minimum 2 years of experience in credit underwriting for SME / Working Capital / Supply Chain Finance

  • Functional Expertise:

    • Hands‑on underwriting knowledge in Supply Chain Finance and/or Working Capital SME loans

    • Solid understanding of credit policies, risk assessment, and regulatory compliance

  • Fintech Exposure: Familiarity with or experience in digital lending ecosystem

  • Analytical Skills: Strong analytical mindset with attention to detail

  • Location Knowledge: Well‑versed with Mumbai market, preferably based in or willing to work from Andheri East

  • Soft Skills: Effective communication, problem‑solving ability, and interpersonal skills

  • Stability: Consistent work history with no major career gaps

Key Responsibilities :

Responsible for diligently appraising loan proposals as per the Credit policy of the company / financial institution partner

• Responsible for Quality Control, Policy/Process adherence & the compliances related to Credit.
• Regular review of credit approval policies and guidelines as well as, to participate in ad hoc projects of investigative or trouble‑shooting nature on specific customer portfolio.
• To gravitate, hire and train the suitable talent required to perform Credit underwriting and related functions
• Engages to participate in the development, implementation, review and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the Credit team and other stakeholders.

To implement effective “Early Warning” and “monitoring” mechanism for the assigned portfolio

• Positively Impact Client Experience by maintaining underwriting TAT
• Constant Monitoring of PDD and other portfolio triggers – with suitable interventions as control measure;
• Addressing the Audit queries resolution within defined timeframe