Business Head – Credit Solutions (DSA Loans) | Vanmoh Credit Solutions

Reports To: Chief Sales Officer / Managing Director

Location: Head Office, Coimbatore, Tamil Nadu (with travel across branches and key markets)

Role Summary

This is a founding role: the Business Head – Credit Solutions will be the first hire and will set up Vanmoh's DSA (Direct Selling Agent) loan distribution business from the ground up. The role is responsible for completing lender/bank/NBFC DSA empanelments, defining the go-to-market and branch rollout strategy, building the sales and credit-coordination team and operating processes from scratch, establishing lending partner relationships, and putting in place the regulatory and compliance framework — working closely with the CSO, HR, operations, and compliance functions to launch and scale Vanmoh's credit solutions business.

Key Responsibilities

Business Setup & Launch

- Complete DSA empanelment/tie-ups with banks, NBFCs, and other lending partners across relevant loan products (personal, business, home, gold, MSME, etc.)
- Define the go-to-market strategy — target loan products, customer segments, branch rollout sequence, and launch timelines
- Set up the operating model, workflows, and systems needed to source, process, and track loan applications from scratch
- Define the initial business plan, budget, and disbursement/revenue targets for the first 1–2 years
- Evaluate and select technology/platform partners (LOS/CRM) for lead management and loan tracking

Team Building & Leadership

- Define the org structure and hire the first cohort of DSA sales and credit-coordination staff across branches




- Set up training and induction processes covering loan products, lender policies, and documentation requirements
- Establish sales processes, targets, and an incentive/reward framework from the ground up
- Build a strong, compliant, customer-first sales culture as the business scales

Sales & Loan Sourcing

- Personally drive early loan lead generation and disbursements to establish initial traction
- Cross-sell loan products to Vanmoh's existing chit fund, insurance, and mutual fund customer base
- Roll out DSA loan distribution branch-by-branch, supporting each branch's initial launch
- Monitor branch-wise and consolidated performance (leads sourced, login-to-disbursement conversion, disbursement value)

Lender & Channel Partner Relationships

- Build and manage relationships with banks, NBFCs, and other lenders for DSA tie-ups and commission structures
- Negotiate commercial terms, payout structures, and turnaround-time commitments
- Coordinate lender-led training, credit policy updates, and campaigns across branches
- Represent Vanmoh at lender and industry forums

Regulatory & Compliance Framework

- Set up the regulatory and compliance framework for DSA operations, aligned with RBI guidelines on DSAs/loan sourcing
- Establish KYC, documentation,



and disclosure processes in line with lender requirements
- Build audit-ready documentation practices
- Ensure ethical sourcing practices and fair-practice code adherence

Key Result Areas (KRAs)

- Timely completion of DSA empanelments/tie-ups with target lenders
- Team build-out — hiring and readiness of the initial sales/credit-coordination team
- Loan disbursement value and login-to-disbursement conversion against first-year targets
- Number of branches successfully launched for loan distribution
- Regulatory and compliance framework established and audit-ready

Candidate Requirements Experience & Qualifications

- 8+ years in DSA/loan distribution, NBFC/bank sales, or BFSI credit business; prior experience setting up or scaling a current business/branch network strongly preferred
- Bachelor's degree in any discipline; MBA in Finance preferred
- Existing relationships with banks/NBFCs and a demonstrated track record of disbursement growth
- Working knowledge of RBI guidelines on DSA/loan sourcing, KYC, and fair-practice norms

Skills & Attributes

- Entrepreneurial mindset — able to build a business and team from scratch with minimal initial support
- Strong strategic and business acumen with a growth and P&L; ownership mindset
- Hands-on leadership style, comfortable being both builder and individual contributor early on
- Strong relationship management and negotiation skills with lending partners
- High integrity and a compliance-first approach
- Willingness to travel across branches and key markets

Pay: ₹60,000.00 - ₹80,000.00 per month

Work Location: In person

📌 Business Head - Credit Solutions -DSA (Sungam)
🏢 Vanmoh Chit Funds Private Limited, Singanallur
📍 Sungam