Senior Credit Manager

Job Description

About Terra91

TERRA91 is a next-generation managed marketplace designed to simplify and optimize the way businesses source essential commodities for manufacturing—both industrial and consumer goods. We specialize in connecting customers with a global network of verified producers across ferrous and non-ferrous metals, petrochemicals, and other key sectors.

At our core, we aim to bridge the gap between global supply and demand through a reliable, transparent, and efficient platform. Whether you're a global supplier looking to access the Indian market or an Indian manufacturer seeking to expand internationally, TERRA91 acts as your trusted partner in enabling smooth, scalable, and secure trade.

TERRA91 provides end-to-end supply chain management, covering sourcing, logistics, quality assurance, financing, and pricing. Our model empowers businesses by removing procurement complexities and letting them focus on what they do best—manufacturing, innovation, and market expansion. Through our data-driven approach and technology-enabled infrastructure, we offer tailored solutions that maximize efficiency and minimize risk. Our commitment to operational excellence ensures predictability, profitability, and sustainable growth—regardless of market volatility.

Our goal is to establish TERRA91 as the premier managed commodity marketplace for the global manufacturing sector. We are committed to delivering risk-managed transactions, transparent pricing, and access to financing, all while nurturing long-term, value-driven partnerships.

Why Terra91

We have a global network with access to a vetted ecosystem of international producers and buyers. End-to-End Solutions with complete control over logistics, compliance, and documentation. Capital Efficiency with smart deployment of working capital for optimized trade cycles. Open & Agile Culture with a team of risk-takers and problem-solvers driven by impact.

Trust & Transparency with a relationship-first approach rooted in integrity and accountability.

At TERRA91, we don't just trade commodities—we build bridges of trust, efficiency, and opportunity in a constantly evolving global manufacturing landscape.

Roles & Responsibilities:

• Conduct thorough reviews of loan and working capital applications for OEM MSMEs and infrastructure projects, analyzing financial statements, GST returns, bank statements, cash flows, project viability reports, and collateral (e.g., machinery, land). Compute key ratios such as Debt Service Coverage Ratio (DSCR), Current Ratio, and Loan-to-Value (LTV) to determine creditworthiness.
• Identify sector-specific risks, including supply chain disruptions in OEM manufacturing, project delays in infrastructure, and macroeconomic factors like interest rate fluctuations. Recommend approvals, declines, or structured enhancements, adhering to internal policies and RBI's MSME lending norms.
• Ensure underwriting processes comply with RBI regulations (e.g., MSME Development Act, Basel III norms), IRDAI guidelines where applicable, and anti-money laundering (AML) requirements. Prepare detailed Credit Appraisal Memos (CAMs) and MIS reports for senior management and regulatory submissions.
• Oversee assigned portfolios for early warning signals of stress, collaborate with recovery teams on NPA management, and contribute to stress testing for infrastructure exposures.

Job Requirement

• Bachelor's degree in Commerce, Finance, Economics, or a related field; Chartered Accountant (CA), Cost Accountant (CMA), or MBA in Finance preferred.
• 7-10 years of hands-on experience in credit underwriting or risk assessment, with at least 4 years focused on MSME/OEM lending or infrastructure/project finance in Indian banks, NBFCs, or financial institutions.
• Demonstrated success in handling high-value exposures, including CGTMSE-covered MSME loans and term loans for infrastructure under schemes like ECLGS or PMEGP.
• Strong knowledge of RBI circulars, MSME classification criteria, and sector-specific regulations (e.g., environmental clearances for infrastructure).