Job DescriptionRole: Deputy Manager - Credit
nLocation: Bengaluru, Karnataka - On-site
nQualification: CA / M.Com
nExperience: 3+ years
nTravel: 25-30% pan-India
nReports to: Head of Credit
nABOUT THE ROLE
nVegrow is India's 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 Vegrow's credit function - owning day-to- day underwriting, limit monitoring, and portfolio health across Indian Domestic, Imports, and Exports channels.
nThis is a high-ownership role for an early-career finance qualified who wants to build genuine credit judgment - not just process applications - in a fast-moving, data-driven environment.
nKEY RESPONSIBILITIES
n- 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.
n- 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.
n- 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.
n- Collections Coordination: Prepare and hand over DPI 120+ accounts to the collections team with complete documentation; track resolution and update portfolio records.
n- BPR Support: Compile and validate portfolio data for weekly Business Performance Review sessions; ensure numbers are accurate and variance is explained before the review.
n- 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.
n- Field Visits: Travel (25-30%) to assess custome

📌 Deputy Manager (Karnataka)
🏢 Vegrow
📍 Karnataka