Area Credit Manager Scf (Delhi)

- 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 anchor's 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 valuable 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 .