Manager -CREDIT SOLUTIONS

MANAGER – CREDIT SOLUTIONSHiring Partner: Magsum SolutionsHiring For: Vanmoh

Location: Coimbatore, Tamil Nadu

Employment Type: Full-TimeReporting To: Head of Credit / Senior ManagementAbout the RoleVanmoh is expanding its financial services portfolio with a focus on providing customers with accessible and structured credit and lending solutions.We are looking for an experienced Manager – Credit Solutions to manage and grow the credit solutions function, covering customer acquisition, loan processing, credit assessment coordination, documentation, disbursement and portfolio follow-up.The ideal candidate should have strong knowledge of lending processes, credit operations and customer relationship management, with the ability to balance business growth with credit quality and risk discipline.Key Responsibilities1.

Credit Business DevelopmentDrive growth of Vanmoh’s credit solutions business.Identify and develop new customer acquisition channels.Build relationships with customers, channel partners, DSAs, agents and other business partners.Achieve monthly and quarterly business targets.Develop strategies to increase loan enquiries, applications and disbursements.2. Loan & Credit ProcessingManage the complete credit processing cycle from application to disbursement.Verify customer applications and supporting documentation.Coordinate collection and verification of KYC, income and other required documents.Ensure applications are processed accurately and within defined turnaround times.Coordinate with credit, operations, legal and documentation teams.3. Credit Assessment CoordinationConduct preliminary assessment of customer applications.Review customer financial information, repayment capacity and credit history.Identify potential credit risks and escalate cases requiring detailed assessment.Coordinate with the credit/risk team for final underwriting and approval.Ensure lending decisions are supported by complete and accurate documentation.4. Customer & Partner ManagementMaintain strong relationships with existing and prospective customers.Understand customer financial requirements and recommend appropriate credit solutions.Manage channel partners and referral sources.Ensure transparent communication regarding eligibility, documentation, pricing, repayment and other terms.Handle customer queries and coordinate resolution of service issues.5. Disbursement & OperationsCoordinate approved cases through documentation and disbursement.Ensure all pre-disbursement requirements are completed.Track applications at every stage and minimise processing delays.Maintain accurate records of applications, approvals, rejections and disbursements.6. Portfolio Monitoring & Collections CoordinationMonitor the performance of the credit portfolio.Track repayment status and overdue accounts.Coordinate with the collections team on delinquent accounts.Identify early warning indicators and escalate potential portfolio risks.Support initiatives to improve repayment performance and reduce delinquency.7. MIS & ReportingPrepare daily/weekly/monthly credit business reports.Track:Applications receivedApplications processedApprovalsRejectionsDisbursementsDisbursement valueTurnaround timeOverdue accountsPortfolio performanceProvide management with regular updates and insights.8. Process & ComplianceEnsure all credit activities follow Vanmoh’s internal policies and approval processes.Maintain proper KYC and documentation standards.Ensure customer data and financial information are handled confidentially.Follow applicable regulatory and compliance requirements.Identify gaps in the credit process and recommend improvements.9. Team ManagementManage and mentor credit/operations executives where applicable.Allocate applications and responsibilities across the team.Set team-level targets and KPIs.Conduct regular performance reviews and provide training.Build a disciplined, customer-focused credit operations team.Key KRAs / KPIsMonthly loan/credit disbursement valueNumber of new customers acquiredApplication-to-disbursement conversionProcessing turnaround timePortfolio qualityDelinquency / overdue levelsCustomer retentionChannel partner productivityDocumentation accuracyCompliance adherenceTeam productivityRequired QualificationsBachelor’s degree in Commerce, Finance, Business Administration or a related field.MBA / PGDM in Finance will be an advantage.4–8 years of relevant experience in credit, lending or financial services.Preferred Industry ExperienceCandidates with experience in:NBFCsBanksChit fundsConsumer financeBusiness loansPersonal loansSecured / unsecured lendingFintechCredit distributionLoan processingwill be preferred.Experience handling branch-based lending or credit operations will be an added advantage.Skills RequiredCredit & lending process knowledgeFinancial analysisCustomer relationship managementLoan documentationRisk awarenessBusiness developmentNegotiation skillsTeam managementMIS & reportingMS ExcelCRM / loan management systemsStrong communication skillsIdeal CandidateWe are looking for someone who can balance business growth and credit discipline.The ideal candidate should be:Commercially driven but risk conscious.Strong in customer and partner relationships.Comfortable working with targets.Good at analysing customer financial information.Highly organised with documentation.Capable of independently managing credit operations.Proactive in identifying risks and operational issues.Comfortable working with senior management and cross-functional teams.CompensationCompensation: Competitive and based on experience and proven capability.Performance incentives: Applicable based on agreed business and portfolio targets.

Location: Coimbatore, Tamil Nadu

Employment Type: Full-TimeJoining: Immediate / Within 30 days preferred