Senior Manager - SCF Job Details | PayU Payments

Description

: Senior Manager – Supply Chain Financing Function: Business / Product – Embedded Finance & Anchor Partnerships Location: Gurugram Reporting to: Director of SMB Lending Experience Required: 8-10 years overall, with 5+ years specifically in Purchase Financing / Supply Chain Financing (SCF) / B2B BNPL Education: MBA / CA / PGDM from a reputed institute preferred

About the Role

: We are looking for a seasoned professional to own and scale our Purchase Financing / B2B BNPL product — a credit offering that sits between an Anchor Partner (supplier/OEM/distributor) and its Buyer (borrower/dealer/retailer/SME). This role requires someone who deeply understands the tripartite dynamic of anchor-led lending: the anchor's business interest in enabling sales, the buyer's working capital need, and the lender's risk exposure — and can structure programs that align all three. This is a build-and-scale mandate: launching new anchor programs end-to-end, negotiating commercial and risk terms with strategic partners, and then managing the portfolio through its lifecycle to healthy, profitable growth.

Key Responsibilities

• Anchor Partnership Origination & Program Launch - Identify, pitch, and onboard anchor partners (manufacturers, distributors, large B2B platforms) for purchase financing / SCF programs. - Structure end-to-end program design: eligibility criteria, credit limits, tenure, pricing, anchor obligations (buyback/first-loss/data sharing), and buyer onboarding journey. - Lead contractual & commercial negotiations with anchor partners — pricing, risk-sharing constructs (FLDG,etc), and SLAs. - Drive cross-functional program launches with credit, risk, tech, legal, compliance, and operations teams. 2. Product & Customer Understanding - Deep understanding of buyer (borrower) personas across categories — retailers, dealers, distributors, small manufacturers — and their cash flow cycles. - Understand the nuances of anchor-buyer commercial relationships (credit period, discounts, return/replacement norms) and how these interact with the financing structure. - Distinguish between anchor-backed (recourse) and open-market (non-recourse) purchase financing models and their risk implications. 3. Risk Policy & Credit Underwriting - Working with the Credit Risk team for policy design for Borrower & Anchor underwriting basis anchor-linked data (trade history, GST, bank statements, bureau, anchor sales data) while driving alignment on scorecards, cut-offs, and portfolio segmentation. 4. Unit Economics & Portfolio P&L - Own the unit economics of each anchor program — yield, cost of funds, credit cost, opex, and contribution margin. - Build and defend business cases for new anchor programs to internal risk teams. - Track program-level and portfolio-level profitability; course-correct pricing or risk parameters as needed. 5. Stakeholder & Strategic Partner Management - Serve as the primary relationship owner for anchor partners post-launch — reviews, escalations, renewals, and expansion. - Manage internal stakeholders (Risk, Credit, Legal, Tech, Ops, Finance, Compliance) to keep programs running smoothly. - Represent the business in senior anchor partner conversations (CXO/business head level) for renewals and cross-sell. 6. Portfolio Growth & Monitoring - Drive disbursement growth across live anchor programs through funnel optimization (buyer activation, limit utilization, repeat usage). - Identify expansion opportunities — new anchor categories, geographies, or buyer segments within existing anchors. - Own portfolio health reporting — utilization rates, active buyer base, delinquency, anchor-wise concentration risk. - Weekly / Monthly updates and reports to Senior management & Leadership Required Skills & Experience 1. Total Experience: 8+ years in BFSI / Fintech / NBFC, with exposure to SME/B2B lending and 5+ years specifically in Purchase Financing / Supply Chain Financing / B2B BNPL 2. Demonstrated experience launching at least 3-5 anchor-led financing programs from scratch and scaling them to a portfolio of > INR 100 cr 3. Risk Understanding: Working knowledge of credit policy design, underwriting frameworks, and portfolio risk monitoring 4. Financial Acumen: Strong grasp of unit economics — yield, cost of funds, credit cost, opex, contribution margin 5. Familiarity with LOS/LMS platforms, portfolio dashboards, and basic data analysis (Excel working knowledge is a must) 6. Strong Excel and Presentation skills 7. Should have managed a team of atleast 2-3 persons for >1 year Apply now » Find similar jobs: . Copyright 2025 PayU. All rights reserved / Privacy / Terms of use × Cookie Consent Manager When you visit any website, it may store or retrieve information on your browser, mostly in the form of cookies. Because we respect your right to privacy, you can choose not to allow some types of cookies. However, blocking some types of cookies may impact your experience of the site and the services we are able to offer. Required Cookies These cookies are required to use this website and can't be turned off. Required Cookies Show More Details Required Cookies Provider

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