Role: Manager – Commercial Finance Reports to: CFO Experience: Chartered Accountant/ CMA with 5+ years of post-qualification experience in commercial finance, customer contracts, credit control, claims and collections, and end-to-end O2C operations – preferably in FMCG or high-growth CPG environments. Role Objective At The Whole Truth Foods, transparency drives everything we do — including how we manage our finances. As Commercial Finance Manager , you’ll be the backbone of our customer financial relationships across Quick Commerce, Platforms, and Offline Retail. You’ll drive performance through smart credit governance, clean collections, robust reconciliations, and customer-level profitability. Key Responsibilities 1. Customer Onboarding, Credit, and Contract Management ● Define and manage credit policies and exposure limits for each customer based on financial health, performance, and internal risk frameworks. ● Drive robust contract management practices — ensuring commercial clauses and payment terms are clearly documented and aligned with internal policies. ● Oversee credit evaluation and approval processes for all new customer onboarding. 2. Order-to-Cash (O2C) Process Management ● Lead and enable the team to execute end-to-end O2C execution — from PO validation, credit clearance, and invoice issuance to payment tracking and reconciliation. ● Ensure accurate payment knock-off and maintain real-time visibility into receivables and collections. ● Coordinate with internal teams to resolve payment disputes and deduction mismatches. 3. MIS, Reporting K Commercial Hygiene ● Maintain and publish real-time dashboards and trackers for customer-wise ageing, collections, open claims, and outstanding deductions. ● Lead monthly reporting of commercial performance to Finance and Sales channels — highlighting risks, exceptions, and actionable insights. ● Ensure compliance with audit requirements, tax regulations (GST/TDS), and internal controls across all B2B commercial processes. 4. Customer Spend Management ● Monitor customer-level budgets for visibility and trade spends ● Validate and process claims in alignment with agreed commercial terms and internal SOPs. 5. Team Development K Process Improvement ● Manage and mentor the AR team members to build a rigorous and detail-oriented process. ● Identify gaps in current commercial workflows and partner with Tech/ERP teams to drive automation, systemization, and scalable process enhancements. 6. Stakeholder Management ● Collaborate closely with Sales, Finance, and cross-functional teams to ensure seamless commercial operations. ● Serve as the go-to person for all customer-facing commercial issues — ensuring timely resolution of disputes, reconciliations, and escalations. Skills You Bring ● Strong command over PEL drivers in FMCG; Deep understanding of B2B commercial dynamics across Offline, Q-Com, and E-commerce/Platform channels. ● Proven expertise in credit control, scheme and promo planning, customer hygiene, and cash flow management. ● Excellent proficiency in MS Excel, and dashboarding tools. ● Knowledge of GST, TDS, and accounting standards for audit-readiness mindset. ● Strong communication, negotiation, and stakeholder management skills. ● Ability to lead a team and build scalable processes in a high-growth environment. Who You Are ● A qualified CA/ CMA with 5+ years of post-qualification experience in commercial finance, preferably in a high-growth FMCG or consumer startup. ● You’ve handled complex offline operations across geographies and can preempt commercial risk. ● You’re detail-obsessed, love clean processes, and bring structure without slowing the hustle. ● Most importantly, you believe in transparency — in numbers, in intent, and in how business should be done. Success in this role means faster cash cycles, zero claim backlogs, clean books, and commercially smart customer management.