Senior Manager - Business Finance & Treasury - AgriTech

Senior Manager - Finance (Business Finance & Treasury) Company: An agritech startup Location: Bangalore Reports to: Chief Financial Officer (CFO) Experience: 6+ years post-qualification About the Role: We are looking for a sharp, commercially minded Chartered Accountant to own business finance and banking relationships at a fast-growing agritech company. You will work closely with the CFO and business teams to fund growth, protect margins, and bring financial discipline to a business with complex supply chains, seasonal cycles, and a wide market network. Key Responsibilities: Business Finance & Partnering: - Partner with sales, operations, and supply chain teams to track unit economics, margins, and profitability by product, channel, and geography - Prepare MIS, budgets, forecasts, and variance analysis for the CFO and leadership - Support strategic decisions with financial models, scenario analysis, and business cases Banker & Lender Liaison: - Manage relationships with banks and financial institutions for credit facilities, working capital limits, term loans, and other debt instruments - Lead fundraising documentation, including sanction proposals, credit presentations, and compliance certificates - Ensure timely renewals, covenant compliance, and stock/book debt statement submissions - Negotiate pricing and terms with lenders to optimise the cost of funds Market Leakage & Margin Control: - Identify and analyse leakages in the market, such as discounting, scheme and incentive overruns, credit losses, receivable slippage, wastage, and shrinkage - Build controls, dashboards, and reporting to track and plug these leakages - Work with commercial teams to improve channel profitability and collections Capex & Working Capital: - Assess capex proposals, evaluating ROI, payback, and funding options - Forecast and manage working capital across inventory, receivables, and payables, accounting for seasonality - Maintain cash flow forecasts and support liquidity planning with the CFO Governance & Compliance: - Support audits, internal controls, and statutory and regulatory compliance - Strengthen finance processes and systems as the company scales Qualifications & Experience: - Chartered Accountant (CA) is mandatory - 6+ years of post-qualification experience in finance, business finance, or treasury - Prior experience in a startup or high-growth environment is preferred - Exposure to agri, FMCG, supply chain, or distribution-led businesses is a plus - Hands-on experience with bank funding, working capital structuring, and lender documentation Skills & Attributes: - Strong financial acumen and analytical ability, with a sharp eye for numbers and anomalies - Excellent written and verbal communication, able to engage confidently with bankers, founders, and business heads - Strong Excel and financial modelling skills; comfort with ERP and BI tools - Ownership mindset, comfortable with ambiguity, and able to work with speed and accuracy - Ability to influence stakeholders across functions