Senior Manager – Business Finance & Treasury – AgriTech Growing Product based Fintech - B2B

The Corporate Institute; Bengaluru; On-site; INR 3,000,000 - 4,500,000; Full time

Job summary

An agritech startup in Bangalore seeks a Chartered Accountant to own business finance and treasury, reporting to the CFO, to fund growth, protect margins, and bring financial discipline across complex supply chains.

You will partner with sales, operations, and supply chain, manage bank relationships, and lead fundraising documentation, with a hands-on approach to capital management and governance as the company scales.

Qualifications

• CA (Chartered Accountant) is mandatory.
• 6+ years post-qualification experience in finance, business finance, or treasury.
• Startup or high-growth experience is preferred.

Responsibilities

• 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.
• 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.
• 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.
• 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.
• Support audits, internal controls, and statutory and regulatory compliance.
• Strengthen finance processes and systems as the company scales.

Skills

Financial analysis

Stakeholder management

Excel & modelling

ERP/BI tools

Education

CA — Chartered Accountant

6+ years post-qualification experience

Tools

ERP systems

Banking relationships

Job description

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