Company Description Vistaar Financial Services Pvt Ltd was founded by first-generation entrepreneurs committed to expanding economic opportunities for deserving micro-entrepreneurs through accessible credit. The company focuses on the “missing middle” segment, which is often underserved by traditional financial institutions, and aims to provide finance at a reasonable cost in a transparent manner. Vistaar targets micro and small enterprises across sectors such as dairy, power loom, handloom, home-based industries, and handicrafts, where market potential remains largely untapped.

By offering customized loan products tailored across loan size, repayment frequency, tenor, and security, Vistaar seeks to better meet the diverse financing needs of these livelihoods. The organization continues to attract mainstream capital and talent to serve these segments effectively and responsibly.

Role Description The Credit Manager role at Vistaar Financial Services Pvt Ltd is a full-time, on-site position based in Shivamogga.

The Credit

Manager will evaluate loan applications from micro and small enterprises, conduct detailed credit assessments, and make recommendations aligned with the company’s credit policies and risk appetite. Daily responsibilities include analyzing financial and non-financial information, reviewing business cash flows, conducting field visits where needed, and ensuring proper documentation and compliance with regulatory and internal guidelines. The role involves approving credit within defined authority levels, monitoring portfolio quality, tracking early warning signals,



and coordinating with branch teams to maintain strong asset quality.

The Credit

Manager will collaborate with operations and collections teams, contribute to refining credit processes and products, and support training of field staff on credit standards and risk management.

Qualifications

- Strong credit assessment and risk analysis skills, including experience reviewing financial statements, cash flows, and collateral for micro or small business loans.
- Proficiency in portfolio monitoring and control, such as tracking delinquency trends, identifying early warning signals, and implementing corrective actions.
- Knowledge of lending processes and documentation, including credit appraisal, KYC, legal and technical verification, and regulatory compliance in the financial services sector.
- Ability to conduct field-level assessments, interact with micro-entrepreneurs, understand local markets, and verify on-ground business activities.
- Effective communication and stakeholder management skills to work with branch staff, operations, collections teams, and senior management.
- Strong analytical, problem-solving, and decision-making abilities with attention to detail and high ethical standards.
- Bachelor’s degree in finance, commerce, business administration, economics, or a related field; a relevant postgraduate qualification or qualified certification in credit or risk management is an advantage.
- Prior experience in credit management, microfinance, MSME lending, or retail lending is preferred, especially in similar geographic or customer segments.
- Comfort with using

📌 Credit Manager (Shivamogga)
🏢 Vistaar Financial Services
📍 Shivamogga