The Basics:

Team: Sales - IC

Experience: 3 to 6 Yrs

Location: Mumbai

Introduction

$11 trillion of money flows every year between companies in India. It typically takes avg. 70 days for a business to get paid, and it's increasing 5% every year, leading to a severe credit crunch in the economy

We are building India's first AI-driven Finance & Accounting Company that transforms how businesses pay and get paid. CashFlo already processes INR 20,000+ Crores of invoices every month, across 300,000 MSMEs and 1200+ corporates.

Our leadership consists of ex-BCG and ISB / IIM / ICAI alumni with a team of industry veterans serving on the advisory board. We are backed by Elevation Capital (one of the most successful VCs in India, backer of Makemytrip, Swiggy, PayTM etc.) and General Catalyst ($30 Billion+ global fund, and early investors in Stripe, Airbnb etc.). We share our lineage with HCS, a 25 year old investment bank and a registered NBFC. We are a team of passionate problem solvers and we're building a technology company with a strong product innovation mindset.

We are looking for someone who loves a challenge, is ambitious, super tenacious and persistent. S/he is a self-starter, thrives in a dynamic, small start-up environment, has a knack for understanding customer needs, and is result-oriented. If you check these boxes - we want to talk to you!

Role Overview:

We are looking for a dynamic, commercially savvy, ambitious banking professional who has experience in net new customer acquisitions in SME and mid-market segment (Customer turnover < 1000 Cr) in Supply Chain Finance domain, especially vendor financing.

This is a P&L role, where you will be required to hunt and farm customers, sell a portfolio of lending products to them over time, and ensure fulfillment via CashFlo's network of lending partners (including forging new lending relationships where needed). This is a high-impact, individual contributor role where you'll be directly responsible for sourcing, onboarding customers and ensuring loan fulfilment via partners.

What will a week look like in this role:

P&L ownership - end-to-end customer account ownership:

- Own end-to-end responsibility for mid-market customer acquisitions and cross-sell/upsell (typically 1000 Cr turnover and above).

- Plan your sales funnel, prioritize the right customers to go after

- Reach out to the customers, understand their working capital needs and structure an appropriate SCF / Working capital solution for them

- Engage with different stakeholders at the customer, handle commercial negotiations with customers

- Arrange for capital from lending partners by working with their sales and credit teams to ensure sanction and disbursement as per aligned timelines

You'll excel if you possess:

Experience:

- 3 to 6 years of experience in a similar role, preferably in SCF, NBFC, fintech, or debt syndication firms / boutique investment banks

- Proven track record of independently sourcing and acquiring Mid-market companies, and carrying out secured/unsecured and SCF loan disbursements to them

Skills & Qualities:

- Strong commercial acumen with the ability to understand and negotiate financial deals.

- Excellent interpersonal and communication skills.

- High ownership, proactive problem-solver, and self-driven.

- Strong understanding of lending ecosystems and financial products in the SCF / SME lending space