Senior Area Credit Manager - Supply Chain Finance

AREA CREDIT MANAGER - SCF Role Profile ACM - SCF (SULB) Page Break ROLE SPECIFICATION Role Title ACM - SCF Employee Interviewed RCM Reports To RCM Company Muthoot Fincorp Limited Function/Department Credit – Supply Chain Finance Location Written By Approved By (Functional) NCH Approved By (People & Culture) Date (Written On) 30.06.2026 ROLE SUMMARY The Senior Area Credit Manager is responsible for maintaining the health, quality, and growth of the credit portfolio across a designated geographic area. This is an individual role involving under writing, CAM preparation, Financial analysis, managing credit risk for supply chain finance for borrowers and Anchors cases, ensuring strict compliance with credit policy, and leveraging digital tools to drive processing efficiency. ORGANIZATIONAL CHART KEY RESPONSIBILITIES Operations & Transactional Digital Underwriting & Technical Assessment Automated Data Appraisal: Analyze automated banking reports and OTP-based GST reports to verify cash flows, business turnover, and tax compliance. Bureau Evaluation: Assess credit bureau parameters (e.g., CIBIL/Experian commercial and personal scores) to evaluate repayment track records and leverage. Program-Based Onboarding: Onboard small-time manufacturers and traders strictly against predefined credit program parameters. Scoring Model Management: Input data into credit scoring models to derive automated credit decisions. Proactively identify gaps in the model and suggest fine-tuning of scoring norms to risk teams. Advanced Underwriting & Structured Finance High-Ticket Financial Analysis: Conduct deep-dive financial analysis (Balance Sheet, P&L, Ratio analysis) for larger exposure/high-ticket proposals. Supply Chain Finance (SCF): Assess vendor/dealer credit limits by cross-referencing and validating purchase data against GST and Anchor ledger data. Deviation Management: Recommend and justify credit deviations with strong mitigating factors when a file falls outside standard program parameters. Anchor Programs 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 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 Field Credit & Portfolio Control Personal Discussions (PD): Conduct virtual or physical personal discussions with traders, retailers, and borrowers to evaluate business models, margins, and character. Efficiency & Tech Adoption: Actively utilize automation and digitization tools to optimize Turnaround Time (TAT). Data Integrity: Maintain accurate and up-to-date Management Information Systems (MIS) for tracking pipeline files, approvals, and portfolio performance . 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. KEY INTERACTIONS Internal Stakeholders External Stakeholders RM, ASM, RSM, NSM, RCM,NCH, Portfolio Head Customers, Vendors KEY ROLE DIMENSIONS Geographical coverage – State / Part of State Direct reportees - NA Total team size - NA SULB KEY SKILLS & BEHAVIOURAL ATTRIBUTES Comfortable working in a paperless/highly digitized lending environment Prior experience in credit / Risk under MSME loans. Corporate loans and working capital assessment EDUCATION / EXPERIENCE 4 – 8 years of experience UG/PG/CA