Vegrow - Credit Lead - CA

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.