Manager -Credit Solutions

Position: Manager -CREDIT SOLUTIONS
Location: Athiyur

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…