Credit lead

2 days ago

Kolkata, India VEGROW Full time

Position: Credit Lead Location: Bengaluru, Karnataka, India (On‑site) Qualification: Qualified Chartered Accountant Experience: 4–8 years in credit underwriting & policy within Banks/NBFCs Travel: ~30% pan‑India and International Who is this role for ? Looking for a Qualified Chartered Accountant with 4–8 years of experience in credit underwriting of unsecured loans, who is now keen to transition from a core credit role to a broader profile spanning Credit, Business Finance, and Controllership. The role offers exposure to international underwriting across Europe, GCC, and the Middle East. More about the Role Vegrow is revolutionizing B2 B 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–₹5 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 (For both Customers in India and across the globe): Evaluate financials, credit bureau data, cash flows, and sector-specific risks (like seasonal agri cycles); recommend and revise credit limits dynamically. ● Deal Structuring: Design and structure high-value credit deals with appropriate covenants, repayment terms, and safeguards to systematically minimize risk while enabling business growth. ● 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 (~30%) to assess customer operations, build relationships, and lead risk reviews both within and outside India What We’re Looking For ● Chartered Accountant with 4–8 years of credit underwriting & policy experience, especially in unsecured SME lending (₹10 L–₹5 Cr). ● Familiarity with agri-trader finance, ideally in North & West India would be cherry on the top ● 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 30%-40% 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 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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