Senior Manager - SCF

Wibmo Inc.; Gurugram District; On-site; INR 5,000,000 - 7,500,000; Full time

Job summary

PayU in Gurugram is seeking a Senior Manager – Purchase Financing & B2B BNPL to own and scale embedded finance programs. You will originate anchor partnerships, design credit frameworks, and drive portfolio profitability across live programs.

You will collaborate with Risk, Credit, Tech and Legal teams to set policies, monitor performance, and optimize unit economics for growth with a focus on SMEs and distributors.

Qualifications

• Total experience 8+ years in BFSI/Fintech/NBFC with 5+ years in Purchase Financing/SCF/B2B BNPL.
• Proven experience launching anchor-led financing programs and scaling to a portfolio > INR 100 cr.
• Risk policy design, underwriting frameworks, and portfolio risk monitoring.

Responsibilities

• Anchor partnership origination and program launch with end-to-end design, pricing, and risk terms.
• Deep understanding of buyer personas and anchor-buyer relationships in credit terms.
• Work with Credit Risk on policy design, scorecards, and portfolio segmentation.
• Own unit economics: yield, cost of funds, opex, and margin; defend business cases.
• Manage internal stakeholders (Risk, Credit, Legal, Tech, Ops, Finance, Compliance).
• Report portfolio health and drive growth through disbursement and expansion opportunities.

Skills

BFSI/Fintech/NBFC

Anchor-led lending

Portfolio risk management

Unit economics

Data analysis / Excel

Team leadership

Education

MBA / CA / PGDM

Tools

LOS/LMS platforms

Portfolio dashboards

Job description

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Job Description: Senior Manager – Supply Chain Financing Function:

Business / Product – Embedded Finance & Anchor Partnerships

Location: Gurugram

Reporting to: Director of SMB Lending

Experience Required: 8-10 years overall, with 5+ years specifically in Purchase Financing / Supply Chain Financing (SCF) / B2B BNPL

Education: MBA / CA / PGDM from a reputed institute preferred

About the Role

We are looking for a seasoned professional to own and scale our Purchase Financing / B2B BNPL product — a credit offering that sits between an Anchor Partner (supplier/OEM/distributor) and its Buyer (borrower/dealer/retailer/SME). This role requires someone who deeply understands the tripartite dynamic of anchor-led lending: the anchor's business interest in enabling sales, the buyer's working capital need, and the lender's risk exposure — and can structure programs that align all three. This is a build-and-scale mandate: launching new anchor programs end-to-end, negotiating commercial and risk terms with strategic partners, and then managing the portfolio through its lifecycle to healthy, profitable growth.

Key Responsibilities

• 1. Anchor Partnership Origination & Program Launch - Identify, pitch, and onboard anchor partners (manufacturers, distributors, large B2B platforms) for purchase financing / SCF programs. - Structure end-to-end program design: eligibility criteria, credit limits, tenure, pricing, anchor obligations (buyback/first-loss/data sharing), and buyer onboarding journey. - Lead contractual & commercial negotiations with anchor partners — pricing, risk-sharing constructs (FLDG,etc), and SLAs. - Drive cross-functional program launches with credit, risk, tech, legal, compliance, and operations teams.
• 2. Product & Customer Understanding - Deep understanding of buyer (borrower) personas across categories — retailers, dealers, distributors, small manufacturers — and their cash flow cycles. - Understand the nuances of anchor-buyer commercial relationships (credit period, discounts, return/replacement norms) and how these interact with the financing structure. - Distinguish between anchor-backed (recourse) and open-market (non-recourse) purchase financing models and their risk implications.
• 3. Risk Policy & Credit Underwriting - Working with the Credit Risk team for policy design for Borrower & Anchor underwriting basis anchor-linked data (trade history, GST, bank statements, bureau, anchor sales data) while driving alignment on scorecards, cut-offs, and portfolio segmentation.
• 4. Unit Economics & Portfolio P&L - Own the unit economics of each anchor program — yield, cost of funds, credit cost, opex, contribution margin. - Build and defend business cases for new anchor programs to internal risk teams. - Track program-level and portfolio-level profitability; course-correct pricing or risk parameters as needed.
• 5. Stakeholder & Strategic Partner Management - Serve as the primary relationship owner for anchor partners post-launch — reviews, escalations, renewals, and expansion. - Manage internal stakeholders (Risk, Credit, Legal, Tech, Ops, Finance, Compliance) to keep programs running smoothly. - Represent the business in senior anchor partner conversations (CXO/business head level) for renewals and cross-sell.
• 6. Portfolio Growth & Monitoring - Drive disbursement growth across live anchor programs through funnel optimization (buyer activation, limit utilization, repeat usage). - Identify expansion opportunities — new anchor categories, geographies, or buyer segments within existing anchors. - Own portfolio health reporting — utilization rates, active buyer base, delinquency, anchor-wise concentration risk.
• - Weekly / Monthly updates and reports to Senior management & Leadership

Required Skills & Experience

• 1. Total Experience: 8+ years in BFSI / Fintech / NBFC, with exposure to SME/B2B lending and 5+ years specifically in Purchase Financing / Supply Chain Financing / B2B BNPL
• 2. Demonstrated experience launching at least 3-5 anchor-led financing programs from scratch and scaling them to a portfolio of > INR 100 cr
• 3. Risk Understanding: Working knowledge of credit policy design, underwriting frameworks, and portfolio risk monitoring
• 4. Financial Acumen: Strong grasp of unit economics — yield, cost of funds, credit cost, opex, contribution margin
• 5. Familiarity with LOS/LMS platforms, portfolio dashboards, and basic data analysis (Excel working knowledge is a must)
• 6. Strong Excel and Presentation skills
• 7. Should have managed a team of atleast 2-3 persons for >1 year

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