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 professional who wants to build genuine credit judgment - not just process applications - in a quick-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

📌 Deputy Manager (Bengaluru)
🏢 Vegrow
📍 Bengaluru