Regional Credit Manager Scf

• Reviewing of anchor companies / anchor programs (vendor /dealer finance anchor programs) for deep tier Supply Chain Finance vertical
• Responsible for analysing the Anchor Company / Fintech partners with the required due diligence and to ensure that all information required to take a credit decision is captured. This would involve understanding the anchors business model financial analysis management and industry analysis.
• Discuss with anchors for better understanding of their business credentials ensuring timely movement of cases
• Underwriting / devising risk framework of Supply Chain Finance Anchor programs.
• Recommend quality anchor programs thereby ensuring good quality portfolio and minimal level of NPAs

• Monitoring of various anchor program review triggers for existing anchor program and ensure compliance with the set parameters. Highlighting those case where the trigger is breached to the senior management
• Portfolio monitoring of Anchor programs to identify Early Warning Signals.
• Conduct detailed analysis of delinquencies and recommend changes in Anchor program
• Ensure that the anchor renewal proposal is compliant with the stipulated conditions at the time of previous sanction
• Building an Underwriting model for NTC population for a banking partner based on transaction data
• Responsible for ensuring sound understanding of credit policy across all relevant levels.

• Keeping updated on the various changes in economic scenario / sectoral changes negative news /updates on anchor Company financial performance / changes in external rating etc.
• Develop and maintain credit risk strategy and policy by continuous analysis of business and collection trends risk assessment & mitigation thereof.
• Highly Specialized role By nature of Interactions with Key Stakeholders by striking a balance between Quality & Growth of the Portfolio.
• To be Technologically savvy to employ tools such as Automation & Digitization to increase process efficiency
• Product knowledge at market level and market segmentation is necessary.
• At least 5 years of experience in business banking with prior experience in supply chain finance

Required Experience:

Manager