AddressGroup Company: HDFC Bank Limited
Designation: SL Initiative-Credit Officer (230_313_100145)
Office Location: BARNALA - PUNJAB Barnala (Branch)
Position description:
Providing support to branch profitability by Client acquisition, financial Literacy, account opening & credit scrutiny.
Primary Responsibilities:
- Daily field visit to Customer (groups) to conduct Borrower Eligibility Test (BET) to check.
- Update BET details / findings in BET tool, this also includes
- Appraise credit manager / RM of any ring leaders, dummy customers and possible fraud events identified during field activities for necessary action.
- Physical File Verification with system / Mobile APP - Cross checking of entry done in system with application form details of each member via KYC detail, family details, existing loan details&activity
- Entering visit details on a day to day basis in SLI Officer Monitoring System/or any other system/ Mobile APP.
Additional Responsibilities:
- Load Sharing of other locations for conducting BET in time of high volumes or any other reasons as per instructions of Credit Manager.
- Cross Verification of certain track from different MFIs on case to case basis.
- Accompanying Credit Manager for post disbursement visits, if required
- Advance planning with business team on groups to be visited per week.
- Feedback to Credit Manager about geography, negative area, com competition presencepetition presence, customer quality, market trends in terms of launch of new products by
- customer quality, market trends in terms of launch of new products by competitors, change in their sourcing / appraisal process etc.
- Other activities such as post approvals visits, recovery visits along with sales Officer, preparation of MIS or any other as informed time to time.
- Academic score: Pass
Required work experience
- Industry: BFSI/Insurance
- Role: Fresher/Sales
- Years of experience: 0 to 1
Required Skills:
1. Honesty & integrity
2. Hard & smart working
3. Go getter attitude
4. Ability to convince & influence
5. Good observation skills
6. Communication & inter-personal skills
Other details
- Contract Types: PERMANENT
Skills: Honesty, Integrity, Ability, Smart, Attitude, Hard, Go, Observation, Communication, Good, Skills, Influence, Working
Experience: 0.00-1.00 Years
