Deputy Credit Manager

Vegrow; Bengaluru; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Vegrow, a fast-growing B2B fresh fruit supply chain, seeks a Deputy Manager Credit to own underwriting, limit monitoring, and portfolio health across the customer base. This high-ownership role suits an early-career finance professional building strong credit judgment in a data-driven environment.

You will evaluate credit applications, monitor exposures, and ensure audit-ready credit documentation while traveling 25–30% across India.

Qualifications

• CA with 3+ years of experience in credit underwriting, credit analysis, or lending.
• Experience in NBFCs, banks, agritech, or supply-chain finance is preferred.
• Strong understanding of financial statement analysis, cash-flow assessment, and credit risk evaluation.
• Comfortable working with data and credit monitoring tools, with the ability to independently identify portfolio trends and risks.
• Strong attention to detail and a zero-error mindset, particularly with credit documentation and reporting.
• Good communication skills and the ability to work closely with sales teams and business stakeholders.
• Experience with agri-trader or SME lending is a plus.
• Willingness to travel 25-30% Pan-India for field assessments and customer visits.

Responsibilities

• Underwrite credits end-to-end with financials, trading history, and cash flows.
• Monitor credit limit utilization and adjust exposures per policy.
• Track DPI/DPD daily and maintain an at-risk watchlist.
• Prepare DPI 120+ accounts for collections with documentation.
• Compile weekly portfolio reviews and explain variances.
• Ensure adherence to credit SOPs and audit-ready documentation.
• Travel 25-30% across India for field assessments.

Skills

Credit underwriting

Credit analysis

Financial statement analysis

Cash-flow assessment

Data-driven

Communication

Attention to detail

Travel readiness

Team collaboration

Agritech/SME lending

Education

CA

Tools

Credit monitoring software

Job description

About Vegrow

Vegrow is a fast-growing B2B fresh fruit supply chain, working across domestic, import, and export channels. Our credit function plays a critical role in enabling business growth while maintaining portfolio quality.

As Deputy Manager Credit, you will own day-to-day credit underwriting, limit monitoring, and portfolio health across Vegrow’s customer base. This is a high-ownership role for an early-career finance professional looking to build strong credit judgment in a fast-moving, data-driven environment.

Key Responsibilities

• Customer Underwriting: Evaluate credit applications end-to-end, including financials, trading history, cash flows, and sector-specific risks. Prepare credit appraisals and recommend appropriate credit limits.
• Limit Monitoring: Monitor credit limit utilization and process limit adjustment requests based on business and seasonal requirements. Identify exceptions and elevate risks.
• Portfolio Monitoring: Track DPI (Days Past Oldest Unpaid Invoice) and DPD on a daily basis. Identify early-warning signals and maintain a watchlist for at-risk accounts.
• Collections Coordination: Prepare and hand over DPI 120+ accounts to the collections team with complete documentation and track resolution.
• Business Performance Reviews: Compile and validate portfolio data for weekly BPRs, ensuring accuracy and clear explanation of key variances.
• Policy & Governance: Ensure adherence to credit SOPs across channels, identify policy gaps or exceptions, and maintain audit-ready credit documentation.
• Field Assessments: Travel 25 to 30% across India to assess customer operations, validate financial information, and interact with key customers/traders.

What We are Looking For

• CA with 3+ years of experience in credit underwriting, credit analysis, or lending.
• Experience in NBFCs, banks, agritech, or supply-chain finance is preferred.
• Strong understanding of financial statement analysis, cash-flow assessment, and credit risk evaluation.
• Comfortable working with data and credit monitoring tools, with the ability to independently identify portfolio trends and risks.
• Strong attention to detail and a zero-error mindset, particularly with credit documentation and reporting.
• Good communication skills and the ability to work closely with sales teams and business stakeholders.
• Experience with agri-trader or SME lending is a plus.
• Willingness to travel 25-30% Pan-India for field assessments and customer visits.