Manager -CREDIT SOLUTIONS

MANAGER – CREDIT SOLUTIONS

Hiring Partner: Magsum Solutions

Hiring For: Vanmoh

Location: Coimbatore, Tamil Nadu

Employment Type: Full-Time

Reporting To: Head of Credit / Senior Management

About the Role

Vanmoh 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 Responsibilities

1. Credit Business Development

• Drive 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 Processing

• Manage 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 Coordination

• Conduct 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 Management

• Maintain 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 & Operations

• Coordinate 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 Coordination

• Monitor 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 & Reporting

Prepare daily/weekly/monthly credit business reports.

Track:

Applications received

Applications processed

Approvals

Rejections

Disbursements

Disbursement value

Turnaround time

Overdue accounts

Portfolio performance

Provide management with regular updates and insights.

8. Process & Compliance

• Ensure 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 Management

• Manage 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 / KPIs

• Monthly loan/credit disbursement value
• Number of new customers acquired
• Application-to-disbursement conversion
• Processing turnaround time
• Portfolio quality
• Delinquency / overdue levels
• Customer retention
• Channel partner productivity
• Documentation accuracy
• Compliance adherence
• Team productivity

Required Qualifications

Bachelor’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 Experience

Candidates with experience in:

• NBFCs
• Banks
• Chit funds
• Consumer finance
• Business loans
• Personal loans
• Secured / unsecured lending
• Fintech
• Credit distribution
• Loan processing
• will be preferred.
• Experience handling branch-based lending or credit operations will be an added advantage.

Skills Required

• Credit & lending process knowledge
• Financial analysis
• Customer relationship management
• Loan documentation
• Risk awareness
• Business development
• Negotiation skills
• Team management
• MIS & reporting
• MS Excel
• CRM / loan management systems
• Strong communication skills

Ideal Candidate

We 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.

Compensation

Compensation: 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-Time

Joining: Immediate / Within 30 days preferred