Vegrow - Credit Lead - CA
1 day ago
Position: Credit Lead.
Location: Bengaluru, Karnataka, India (On- site).
Qualification: Qualified Chartered Accountant.
Experience: 8-12 years in credit underwriting & policy within Banks/NBFCs.
Travel: ~50% pan- India.
About the Role:
Vegrow is revolutionizing B2B agribusiness by offering fresh fruit on credit to SME and agri- trading partners.
As Credit Lead, you'll pivot your credit expertise into a commercial growth role - architecting and managing trade credit limits (- 10- L- 1- Cr), dynamically calibrated by seasons and performance.
This is your chance to shape real-time, industry-defining credit practices and fuel genuine business impact.
Key Responsibilities:
- End-to-end Underwriting: Evaluate financials, credit bureau data, cash flows, and sector-specific risks (like seasonal agri cycles); recommend and revising credit limits dynamically.
- Policy Design & Governance: Build and operationalize credit frameworks and SOPs for unsecured agri- trader lending.
- Risk-Growth Balance: Optimize exposure levels-drive portfolio expansion while containing NPAs, embedding early-warning systems and health monitoring.
- Commercial Enablement: Advise sales & ops teams, promoting risk-aware decision-making.
- Portfolio Oversight: Monitor key performance indicators and oversee post-sanction follow-up.
- Field Leadership: Travel (~50%) to assess customer operations, build relationships, and lead risk reviews.
What We're Looking For:
- Chartered Accountant with 8-12 years of credit underwriting & policy experience, especially in unsecured SME lending (- 10- L- 1- Cr).
- Familiarity with agri-trader finance, ideally in North & West India.
- Technical excellence in financial analysis, cash-flow modelling, scorecarding, and limit-setting.
- Proven ability to design, implement, and enforce credit governance and frameworks.
- Strategic thinker, able to align growth and asset quality goals.
- Excellent communication and stakeholder skills, from HQ to field teams.
- Willingness to travel up to 50% for customer and portfolio oversight.
Why Join Vegrow?
From Banking to Business: Take your credit expertise from structured institutions into a dynamic, industry and customer- facing role-drive real-world impact on the agri front.
High- Growth Environment: Join a scaling agritech firm where your decisions shape growth, backed by data, impactful leadership, and performance momentum.
Real- Time Influence: Your credit strategies will directly support fruit traders and agri operations-season by season, decision by decision.
Key Strategic role: Be a key strategic partner to founders and senior leadership, owning credit strategy and performance across the business.
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Bengaluru, Karnataka, India VEGROW Full timeJob DescriptionEarly joining preferred.Company DescriptionVegrow operates in the fresh fruits sector with an addressable market size of $60 billion. As a tech platform, Vegrow partners with farmers, aggregates supply, and sells to organized demand through strategic partnerships. Vegrow simplifies farming practices and improves land utilization for farmers....
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Bengaluru, Karnataka, India VEGROW Full timeEarly joining preferred.Company DescriptionVegrow operates in the fresh fruits sector with an addressable market size of $60 billion. As a tech platform, Vegrow partners with farmers, aggregates supply, and sells to organized demand through strategic partnerships. Vegrow simplifies farming practices and improves land utilization for farmers. The company is a...
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Bengaluru, Karnataka, India VEGROW Full timeEarly joining preferred. Company Description Vegrow operates in the fresh fruits sector with an addressable market size of $60 billion. As a tech platform, Vegrow partners with farmers, aggregates supply, and sells to organized demand through strategic partnerships. Vegrow simplifies farming practices and improves land utilization for farmers. The company...
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Bengaluru, Karnataka, India VEGROW Full timeEarly joining preferred.Company DescriptionVegrow operates in the fresh fruits sector with an addressable market size of $60 billion. As a tech platform, Vegrow partners with farmers, aggregates supply, and sells to organized demand through strategic partnerships. Vegrow simplifies farming practices and improves land utilization for farmers. The company is a...
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Bengaluru, Karnataka, India VEGROW Full timeEarly joining preferred.Company DescriptionVegrow operates in the fresh fruits sector with an addressable market size of $60 billion. As a tech platform, Vegrow partners with farmers, aggregates supply, and sells to organized demand through strategic partnerships. Vegrow simplifies farming practices and improves land utilization for farmers. The company is a...
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Bengaluru, Karnataka, India VEGROW Full timeEarly joining preferred. Company Description Vegrow operates in the fresh fruits sector with an addressable market size of $60 billion. As a tech platform, Vegrow partners with farmers, aggregates supply, and sells to organized demand through strategic partnerships. Vegrow simplifies farming practices and improves land utilization for farmers. The...
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