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 recent 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

📌 Manager -CREDIT SOLUTIONS (Coimbatore)
🏢 Magsum Solutions Private
📍 Coimbatore