About the role
- Identify new business opportunities in bill discounting, vendor financing, dealer financing, anchor-led finance, and embedded channel finance.
- Evaluate industry sectors, supply chain ecosystems, and anchor corporates to build a strong SCF portfolio.
- Conduct competitive benchmarking, market analysis, and risk-return assessment for each SCF product.
- Conceptualize and design end‑to‑end SCF product structures including eligibility, pricing, limits, documentation, workflows, and risk frameworks.
- Prepare product notes, policy documents, and approval proposals for internal committees.
- Ensure all SCF products comply with regulatory guidelines and internal risk policies.
- Design process flows, SOPs, checklists, and operating guidelines for onboarding anchors, suppliers, dealers, and distributors.
- Build scalable acquisition and servicing processes, including TAT management, underwriting logic, and transaction monitoring.
- Ensure seamless coordination with credit, operations, legal, compliance, and collections teams.
- Drive technology implementation for SCF platforms including onboarding, limit setting, invoice processing, workflow automation, and reconciliation.
- Collaborate with internal tech teams and external fintech partners to build seamless digital journeys.
- Identify automation opportunities to reduce manual intervention and improve operational efficiency.
- Build the SCF business end-to-end, including strategy, acquisition, risk management, product design, and tech integration.
- Take full ownership of the P&L, including portfolio growth, revenue generation, cost optimization, and profitability.
- Develop scalable sourcing models including anchor partnerships, DSA/connector network, and digital sourcing.
- Engage with large corporates, anchors, andsupplychainecosystems to drive program-based financing.
- Manage internal stakeholders including sales, credit, operations, legal, compliance, and technology.
- Drive training and capability-building for sales teams and channel partners.
- Track portfolio quality, early delinquencies, and concentration risks across anchors and sectors.
- Define monitoring frameworks, triggers, and early warning systems.
- Ensure healthy portfolio hygiene and regulatory compliance at all times.