Trade Finance – Distribution & Receivables

About CompanyThe company operates in the beauty and personal care industry, focusing on developing and marketing consumer products through digital-first and direct-to-consumer channels.Job DescriptionAbout the RoleAs we expand into offline distribution across zones/states in India, we are building a strong Trade Finance function to manage distributor financing, receivables, credit control, and commercial hygiene.This role will anchor the financial control layer between Sales, Supply Chain, and Distributors — ensuring tight governance over receivables, credit notes, schemes, claims, and working capital.The candidate must be comfortable handling both offline trade debtors (distributors, super-stockists, retailers) and online channel receivables (marketplaces, quick commerce, D2C platforms).Key Responsibilities1. Distributor & Trade Finance ManagementEvaluate and set distributor credit limits based on financial strength and risk profilingMonitor:AgeingDSOZone-wise receivable trendsEnsure timely collections and follow-ups with sales teamsManage debit/credit notes related to:SchemesDamageRate differencesClaimsReconcile distributor accounts periodicallyTrack secondary sales impact on receivables2. Credit Notes & Trade Schemes GovernanceReview and validate primary and secondary trade schemesControl issuance and accounting of:Trade discountsQuantity discountsDamage claimsExpiry returnsRate difference adjustmentsIncentive payoutsEnsure proper documentation and approvals for credit notesPrevent revenue leakage through strong internal controls3. Online Channel Debtors ManagementManage receivables from marketplaces and quick commerce platformsReconcile:Sales vs settlement reportsClaimsReturnsPenaltiesMarketing spend adjustmentsEnsure accurate revenue recognitionMonitor platform deduction patterns4. Working Capital & Risk ControlDrive reduction in DSOIdentify risky distributor accounts and escalate earlyMonitor credit exposure by geographySupport development of structured distributor financing model (if applicable)Coordinate with banks/NBFCs for channel financing structures5. Cross-Functional CollaborationWork with Sales to align on:Credit policiesCollection targetsScheme rolloutsPartner with Supply Chain for dispatch hold/release decisionsCollaborate with Accounting for:RevenueProvisionsAudits6. Controls, Audit & ReportingEnsure compliance with internal financial controls (IFC)Prepare trade receivable MIS including:Ageing analysisCollection efficiencyCredit exposureProvisioningSupport statutory and internal audit requirementsAssist in drafting trade finance policiesIdeal Candidate ProfileQualifications & ExperienceChartered Accountant with 2–4 years of experiencePrior experience in:FMCG / Consumer / Retail / Distribution business (preferred)Trade receivables / credit controlTechnical & Functional KnowledgeStrong understanding of:Revenue recognitionWorking capital cyclesCredit risk assessmentStrong Excel and financial modelling skillsBehavioral AttributesHigh ownership mindsetComfortable working in a fast-scaling environmentWhat Success Looks LikeClean distributor reconciliationsReduced DSO and ageing bucketsStrong credit note governanceNo revenue leakage through schemesClear receivable visibility across online and offline channels

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