AVANA Companies

Assistant Manager, Credit – Supply Chain Finance

AVANA Companies

full-time

Posted on:

Location Type: Office

Location: Pune • India

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About the role

  • Own the end-to-end underwriting cycle for Supply Chain Finance programs
  • Underwrite and monitor Cross-Border SCFExport Receivables and Import Bill Discounting
  • Collaborate closely with Business, Operations, Legal, Tech, and anchor/vendor partners
  • Analyze financial statements, GST data, cash flows, and bank behaviour to assess borrower repayment capacity
  • Assess SCF product fitment for receivables, payables, distributor/vendor financing and anchor-led programs
  • Prepare detailed Credit Assessment Memos (CAMs) including risk ratings, mitigants, pricing justification, covenants, and recommendations
  • Conduct risk evaluation and decisioning for credit cases
  • Monitor borrower/anchor/vendor performance through MIS, bank/GST data, ageing buckets, utilisation, delinquencies, and exceptions
  • Validate compliance with sanction conditions, covenants, and documentation checklists before disbursal
  • Contribute to credit policy/SOP updates and stakeholder management

Requirements

  • 6-8 years of credit underwriting experience in Supply Chain Finance (NBFC/Bank/Fintech)
  • Strong financial analysis capabilityP&L, balance sheet, cash flows, GST, banking behaviour, ratios
  • In-depth understanding of SCF models (receivables, payables, distributor/vendor finance)
  • Hands-on experience with credit bureaus, KYC/AML checks, invoice/GST validations
  • Direct exposure to export receivables finance and import bill discounting underwriting (buyer supplier analysis, country risk, program & per-buyer, seller limits)
  • Comfort working with LMS, scorecards, risk models, and underwriting workflows
  • Advanced Excel skills (Lookups, Pivots), analytical mindset, and high accuracy
Benefits
  • Health insurance
  • Retirement plans
  • Paid time off
  • Flexible work arrangements
  • Professional development
  • Equipment allowances
  • Wellness programs
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
credit underwritingfinancial analysisP&L analysisbalance sheet analysiscash flow analysisGST analysisrisk evaluationcredit assessmentadvanced ExcelKYC/AML checks
Soft Skills
collaborationanalytical mindsetstakeholder managementattention to detaildecision making