Receivables & Commercial Manager

Job Title: Receivables & Commercial Manager

Department: Finance / Commercial
Location: Corporate Office (with coordination across factories & sales offices)
Reporting To: Head – Finance / CFO

Role Objective

To manage and control customer receivables, credit risk, and commercial operations to ensure healthy cash flow, strong financial discipline, and effective coordination with Sales, Accounts, and Operations teams.

Key ResponsibilitiesReceivables Management

• Monitor and control accounts receivable ageing (GT, MT, B2B, D2C, exports if applicable).
• Ensure timely collection of outstanding payments as per agreed credit terms.
• Drive reduction in DSO (Days Sales Outstanding) and overdue balances.
• Regular follow-ups with Sales teams and customers for payment closures.
• Escalate chronic overdue cases and recommend corrective actions.

Credit Control & Risk Management

• Define and monitor customer credit limits and credit periods.
• Assess customer creditworthiness in coordination with Finance & Sales.
• Approve or recommend credit extensions / deviations with proper justification.
• Minimize bad debts and provision risks.

Commercial Operations

• Oversee commercial documentation: invoices, debit/credit notes, claims, discounts.
• Validate pricing, schemes, rebates, and trade offers before implementation.
• Ensure compliance with GST, statutory, and internal commercial policies.
• Coordinate with logistics and dispatch teams for billing accuracy.

Sales & Cross-Functional Coordination

• Act as a key commercial interface between Sales, Finance, Supply Chain, and Operations.
• Support Sales teams with receivable insights and customer-wise risk analysis.
• Participate in monthly business reviews related to sales realization and collections.

MIS & Reporting

• Prepare and present weekly/monthly MIS on:
• Receivables ageing
• Collections vs targets
• Credit exposure
• Overdue analysis (location / customer / channel-wise)
• Support audits and management reviews with accurate commercial data.

Key Skills & Competencies

• Strong knowledge of receivables, credit control, and commercial finance
• Understanding of B2B, General Trade, Modern Trade, and D2C commercial models
• Working knowledge of GST and invoicing processes
• Advanced Excel & ERP/SAP proficiency
• Excellent coordination, negotiation, and follow-up skills
• Analytical mindset with attention to detail

Qualification & Experience

• CA / CMA / MBA (Finance) / B.Com / M.Com
• 8–12 years of experience in receivables, credit control, or commercial finance
• Experience in apparel / textile / FMCG / manufacturing preferred

Job Types: Full-time, Permanent

Pay: ₹800,000.00 - ₹1,000,000.00 per year

Benefits:

• Health insurance
• Paid sick time
• Provident Fund

Work Location: In person