Deputy Manager - Credit

Role: Deputy Manager - Credit

Location: Bengaluru, Karnataka - On-site

Qualification: CA / M.Com

Experience: 3+ years

Travel: 25-30% pan-India

Reports to: Head of Credit

ABOUT THE ROLE

Vegrow is Indias 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 Vegrows 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 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.