MANAGER – CREDIT SOLUTIONS

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nHiring Partner: Magsum Solutions

nHiring For: Vanmoh

nLocation: Coimbatore, Tamil Nadu

nEmployment Type: Full time

nReporting To: Head of Credit / Senior Management

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nAbout the Role

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nVanmoh is expanding its financial services portfolio with a focus on providing customers with accessible and structured credit and lending solutions.

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nWe 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.

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nThe 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.

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nKey Responsibilities

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n1. Credit Business Development

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- Drive growth of Vanmoh’s credit solutions business.
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- Identify and develop new customer acquisition channels.
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- Build relationships with customers, channel partners, DSAs, agents and other business partners.
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- Achieve monthly and quarterly business targets.
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- Develop strategies to increase loan enquiries, applications and disbursements.
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n2. Loan & Credit Processing

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- Manage the complete credit processing cycle from application to disbursement.
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- Verify customer applications and supporting documentation.
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- Coordinate collection and verification of KYC, income and other required documents.
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- Ensure applications are processed accurately and within defined turnaround times.
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- Coordinate with credit, operations, legal and documentation teams.
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n3. Credit Assessment Coordination

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- Conduct preliminary assessment of customer applications.
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- Review customer financial information, repayment capacity and credit history.
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- Identify potential credit risks and escalate cases requiring detailed assessment.
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- Coordinate with the credit/risk team for final underwriting and approval.
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- Ensure lending decisions are supported by complete and accurate documentation.
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n4. Customer & Partner Management

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- Maintain strong relationships with existing and prospective customers.
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- Understand customer financial requirements and recommend appropriate credit solutions.
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- Manage channel partners and referral sources.
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- Ensure transparent communication regarding eligibility, documentation, pricing, repayment and other terms.
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- Handle customer queries and coordinate resolution of service issues.
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n5. Disbursement & Operations

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- Coordinate approved cases through documentation and disbursement.
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- Ensure all pre-disbursement requirements are completed.
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- Track applications at every stage and minimise processing delays.
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- Maintain accurate records of applications, approvals, rejections and disbursements.
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n6. Portfolio Monitoring & Collections Coordination

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- Monitor the performance of the credit portfolio.
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- Track repayment status and overdue accounts.
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- Coordinate with the collections team on delinquent accounts.
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- Identify early warning indicators and escalate potential portfolio risks.
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- Support initiatives to improve repayment performance and reduce delinquency.
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n7. MIS & Reporting

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nPrepare daily/weekly/monthly credit business reports.

nTrack:

nApplications received

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nApplications processed

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nApprovals

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nRejections

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nDisbursements

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nDisbursement value

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nTurnaround time

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nOverdue accounts

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nPortfolio performance

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nProvide management with regular updates and insights.

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n8. Process & Compliance

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- Ensure all credit activities follow Vanmoh’s internal policies and approval processes.
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- Maintain proper KYC and documentation standards.
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- Ensure customer data and financial information are handled confidentially.
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- Follow applicable regulatory and compliance requirements.
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- Identify gaps in the credit process and recommend improvements.
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n9. Team Management

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- Manage and mentor credit/operations executives where applicable.
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- Allocate applications and responsibilities across the team.
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- Set team-level targets and KPIs.
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- Conduct regular performance reviews and provide training.
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- Build a disciplined,



customer-focused credit operations team.
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nKey KRAs / KPIs

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

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nBachelor’s degree in Commerce, Finance, Business Administration or a related field.

nMBA / PGDM in Finance will be an advantage.

n4–8 years of relevant experience in credit, lending or financial services.

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nPreferred Industry Experience

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nCandidates with experience in:

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

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

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nWe are looking for someone who can balance business growth and credit discipline.

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nThe ideal candidate should be:

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- Commercially driven but risk conscious.
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- Strong in customer and partner relationships.
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- Comfortable working with targets.
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- Good at analysing customer financial information.
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- Highly organised with documentation.
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- Capable of independently managing credit operations.
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- Proactive in identifying risks and operational issues.
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- Comfortable working with senior management and cross-functional teams.
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nCompensation

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nCompensation: Competitive and based on experience and proven capability.

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nPerformance incentives: Applicable based on agreed business and portfolio targets.

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nLocation: Coimbatore, Tamil Nadu

nEmployment Type: Full-Time

nJoining: Immediate / Within 30 days preferred

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