Website Vegrow
Role: Deputy Manager – Credit
Location: Bengaluru, Karnataka – On-site
Qualification: CA / M.Com
Experience: 2-3 years
Travel: 25-30% pan-India
Reports to: Head of Credit
ABOUT THE ROLE
Vegrow is India’s fastest-growing B2B fresh fruit supply chain – and credit is the engine that drives it. As Deputy Manager – Credit, you will be the execution backbone of Vegrow’s credit function – owning day-to- day underwriting, limit monitoring, and portfolio health across Indian Domestic, Imports, and Exports channels.
This is a high-ownership role for an early-career finance professional who wants to build genuine credit judgment – not just process applications – in a fast-moving, data-driven environment.
KEY RESPONSIBILITIES
– Customer Underwriting: Evaluate credit applications end-to-end – financials, trading history, cash flows, and sector-specific risk factors; prepare structured credit appraisals with limit recommendations for review.
– Limit Monitoring Adjustments: Track credit limit utilization across the active portfolio; process real- time limit adjustment requests tied to harvest and seasonal cycles; flag exceptions and escalate to Head of Credit.
– Portfolio Health Monitoring: Monitor DPI (Days Past oldest unpaid Invoice) and DPD daily; identify early-warning signals; maintain a live watch list for at-risk accounts and ensure timely escalation.
– Collections Coordination: Prepare and hand over DPI 120+ accounts to the collections team with complete documentation; track resolution and update portfolio records.
– BPR Support: Compile and validate portfolio data for weekly Business Performance Review sessions; ensure numbers are accurate and variance is explained before the review.
– Policy Governance Execution: Apply credit SOPs consistently across all channels; flag policy gaps or edge cases to the Head of Credit; maintain audit-ready credit files for every active customer.
– Field Visits: Travel (25-30%) to assess customer operations, validate financial information on the ground, and build direct relationships with key traders.
WHAT WE ARE LOOKING FOR:
– Chartered Accountant or M.Com with 2-3 years of experience in credit underwriting, credit analysis, or lending – NBFC, bank, agritech, or supply-chain finance backgrounds preferred.
– Strong foundation in financial statement analysis, cash-flow assessment, and credit risk evaluation.
– Comfort working with data and credit monitoring tools; ability to spot trends in portfolio metrics independently.
– Detail-oriented with a zero-error mindset – credit files and reported numbers must be reliable.
– Good communication skills; able to engage with field sales teams and business leads clearly and directly.
– Familiarity with agri-trader or SME lending is a plus, not a prerequisite.
– Willingness to travel 25-30% for field assessments and customer visits.
WHY JOIN VEGROW?
– Build Real Credit Judgment: Work directly under an experienced Head of Credit on a live, high-velocity portfolio – you will make real decisions, not just process paperwork.
– Speed of Learning: Vegrow seasonal credit cycles, multi-channel exposure (domestic, imports, exports), and data-first approach will compress years of learning into a short tenure.
– High-Growth Environment: Join a scaling agritech firm backed by marquee investors, where your work directly shapes business outcomes.
– Career Trajectory: This role is designed as the feeder path to Head of Credit – performance here is the fastest route to owning the function.
To apply for this job please visit www.iimjobs.com.
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