Website Growing Product based Fintech - B2B
Senior Manager – Finance (Business Finance & Treasury)
Company: An agritech startup
Location: Bangalore
Reports to: Chief Financial Officer (CFO)
Experience: 6+ years post-qualification
About the Role:
We are looking for a sharp, commercially minded Chartered Accountant to own business finance and banking relationships at a fast-growing agritech company. You will work closely with the CFO and business teams to fund growth, protect margins, and bring financial discipline to a business with complex supply chains, seasonal cycles, and a wide market network.
Key Responsibilities:
Business Finance & Partnering:
– Partner with sales, operations, and supply chain teams to track unit economics, margins, and profitability by product, channel, and geography
– Prepare MIS, budgets, forecasts, and variance analysis for the CFO and leadership
– Support strategic decisions with financial models, scenario analysis, and business cases
Banker & Lender Liaison:
– Manage relationships with banks and financial institutions for credit facilities, working capital limits, term loans, and other debt instruments
– Lead fundraising documentation, including sanction proposals, credit presentations, and compliance certificates
– Ensure timely renewals, covenant compliance, and stock/book debt statement submissions
– Negotiate pricing and terms with lenders to optimise the cost of funds
Market Leakage & Margin Control:
– Identify and analyse leakages in the market, such as discounting, scheme and incentive overruns, credit losses, receivable slippage, wastage, and shrinkage
– Build controls, dashboards, and reporting to track and plug these leakages
– Work with commercial teams to improve channel profitability and collections
Capex & Working Capital:
– Assess capex proposals, evaluating ROI, payback, and funding options
– Forecast and manage working capital across inventory, receivables, and payables, accounting for seasonality
– Maintain cash flow forecasts and support liquidity planning with the CFO
Governance & Compliance:
– Support audits, internal controls, and statutory and regulatory compliance
– Strengthen finance processes and systems as the company scales
Qualifications & Experience:
– Chartered Accountant (CA) is mandatory
– 6+ years of post-qualification experience in finance, business finance, or treasury
– Prior experience in a startup or high-growth environment is preferred
– Exposure to agri, FMCG, supply chain, or distribution-led businesses is a plus
– Hands-on experience with bank funding, working capital structuring, and lender documentation
Skills & Attributes:
– Strong financial acumen and analytical ability, with a sharp eye for numbers and anomalies
– Excellent written and verbal communication, able to engage confidently with bankers, founders, and business heads
– Strong Excel and financial modelling skills; comfort with ERP and BI tools
– Ownership mindset, comfortable with ambiguity, and able to work with speed and accuracy
– Ability to influence stakeholders across functions
To apply for this job please visit www.iimjobs.com.
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