Job Title: AM Credit Control & Channel Finance

Job Type: Permanent, Full-time

Function: Finance

Business: Godrej Agrovet Crop Care Business

Location: Mumbai, Maharashtra, India

About Godrej Industries Group

GIG is a holding company of the Godrej Group. We have significant interests in consumer goods, real estate, agriculture, chemicals, and financial services through our subsidiary and associate companies, across 18 countries.

https://www.godrejindustries.com/

About Godrej Agrovet:

Godrej Agrovet Limited (GAVL) is a diversified, Research & Development focused agri-business Company dedicated to improving the productivity of Indian farmers by innovating products and services that sustainably increase crop and livestock yields. GAVL holds leading market positions in the different businesses it operates - Animal Nutrition, Crop Care, Oil Palm, Dairy, Poultry and Processed Foods. GAVL has a pan India presence with sales of over a million tons annually of high-quality animal feed and cutting- edge nutrition products for cattle, poultry, aqua feed and specialty feed.

Our teams have worked closely with Indian farmers to develop large Oil Palm Plantations which is helping in bridging the demand and supply gap of edible oil in India. In the crop protection segment, the company meets the niche requirement of farmers through cutting-edge agrochemical offerings.

For more information on the Company, please log on to www.godrejagrovet.com

Roles & Responsibilities:

Credit Control (East, Noth and Central where customer base is large with smaller ticket size)

- Analyse the CL request basis qualitative and quantitative information along with planned business information to make recommendations and Review the exceptions, if any, within the S&D; policy framework.
- Review and monitor the Early Warning customer behaviour and raise early warning signals for "Call to action"




- Monitor old outstanding and liaise with regional & business teams to understand collection plan and ensure we have sufficient provision against the Doubtful customers
- Keep close track of critical delinquent parties and visit market along with sales team as required
- Market visits to customers with high credit exposure and new appointed parties to ensure the credit exposure is aligned with parties paying capacity
- Co-ordinating with legal team to track progress and liaison between sales team and legal team as required. Reconciling customer disputes to achieve payment of outstanding balances

Channel Finance/Other customer finance related initiative

- Support the Channel Finance and other debtor financing tools viz Factoring, Credit Insurance, Bank Guarantee from Finance Side
- Closely review the Channel Finance Proposals and issue comfort letters to the banks
- Clarify the doubts of the Sales Team and Customers on Channel Finance
- Keep a close track of on documentation status of the Channel Finance Customers and provide the visibility of the status to the management
- Closely monitor the Account Receivables and Invoice Discounting opportunity from the approved customers. Create the visibility for the management to assess the Business Opportunity using the Channel Finance limits on regular basis
- Closely Track the Disbursement and the due dates of the discounted invoices. Ensure the customer pays back the bank on time and escalate the cases of delinquencies
- Extensively Travel to the customers to improve the Channel Finance adoption,



accelerating the documentation process and clarifying any doubts
- Keep track of the Customers Channel Finance Renewal status and closely coordinate with Sales Team and Customer to complete the renewal process
- Keep Educating the customers on the benefits of the using Channel Finance and the additional discounts on Channel Finance Payments
- Liaise with Bank/NBFC to FastTrack the progress
- Liaise with Bank/Broker/Insurers to support the Credit Insurance or Factors products

Business Analysis

- Create/Present various Business Critical Insights around Credit and Commercial with recommendation to senior management and drive actions to take them to conclusion
- Liaison with Regional Finance Team for various inputs to support the various analysis
- Prepare the Monthly Deck on the Business Performance to CEO with various indepth analysis
- Develop the Insights on key areas such as Long OD accounts, Aged Inventory and Sales Return Trends
- Preparing periodic dashboard to Management on overall credit exposure, instances of CL increase, status on overdue > 90 days parties, legal status, bad debt, outstanding at risk etc.
- Drive Automation to create readily available insights for Business decision making

Key Skills:

- Very Good Communication Skills
- Strong analytical skills and attention to detail
- Good business acumen for problem solving
- Competency with large ERP systems
- Confidence to deal with a range of stakeholders
- Strong collaborator & team player
- Excellent time management skills and ability to prioritise a demanding workload
- Hands on approach & strong work ethic
- Candidate should be highly skilled in usage of Microsoft excel, Power BI and analysing data to prepare and present insightful analysis to senior stakeholders.

Educational Qualification: MBA - Finance Experience: 12 – 15 years of experience

📌 AM Credit Control & Channel Finance (Mumbai)
🏢 Godrej Agrovet
📍 Mumbai