Aachal Rajesh Singh

Area Credit Manager @L&T Finance

Navi Mumbai, IN

1.Underwrite and approve Supply Chain Finance (SCF) credit proposals in line with internal credit policies and guidelines. 2.Evaluate customer eligibility and program suitability through detailed due diligence of buyers, suppliers, and anchor relationships. Perform comprehensive financial analysis including Balance Sheet, P&L, Cash Flow, GST returns, ITRs, bank statements, and bureau reports to assess creditworthiness and identify early risk indicators.3.Ensure timely credit decisions while maintaining strong risk governance, portfolio quality, and compliance across sanctioned limits. 4.Identify, analyze, and mitigate credit, operational, and concentration risks, recommending appropriate credit structures, limits, and covenants. 5.Collaborate with Business Teams, Anchor Relationship Managers, CPAs, Operations, and Legal to meet defined TATs and ensure seamless deal execution. 6.Review and validate sanction terms, documentation requirements, and post-sanction conditions, ensuring readiness for disbursement. 7.Monitor portfolio performance, track exceptions, and support renewals, enhancements, and restructuring as per policy. 8.Support internal audits, regulatory inspections, and credit reviews by providing accurate documentation and risk justifications.