Location Manager-Prevention & Detection null

About HDFC India

The Housing Development Finance Corporation Limited or HDFC was among the first financial institutions in India to receive an “in principle” approval from the Reserve Bank of India (RBI) to set up a bank in the private sector. This was done as part of RBI’s policy for liberalization of the Indian banking industry in 1994.

Your role

As a Location Manager, your roles and responsibilities are:

• Reviewing basis high-risk indicators such as CIBIL 0,
• Review verification reports of sampled cases at the loan origination stage.
• Scrutiny of discrepant documents submitted by the applicant for availing the loan.
• Investigate discrepant cases to identify the involvement of the applicant, and collusion with the Bank's outsourced channel at a Prevention stage.
• Do proper customer & merchant investigations and take disputes to logical end by way of recommending credit or liability etc basis merit of the case and due investigations Revenue generation & cost management Collection of processing fees from channels/applicants for malpractices Optimum utilisation of cost budgets allocated Cross Checks To carry out cross-checks as specified in the internal RIC bulletins / rolled out by the Central RIC team Ensuring that negative findings/variances found whilst conducting the cross-checks are addressed with the respective units and appropriate action is taken where required.
• Detection of portfolio frauds and recovery Monitoring the portfolio quality by investigating Non-starter, early mortality cases, and collections referred cases.
• Pre-disbursal checks on payment business products like credit/debit.
• Controlling outsourcing risk Ensure that empanelment checks are conducted at the onboarding stage on various vendors/channel partners operating in Retail Asset & Payments business units Manage Outsourcing risk by carrying out checks on Outsourced agents.
• Initiating action on erring Vendors and Vendor staff Compliant Management Handling customer complaints sent from the Central office.
• To identify root causes and provide a resolution within the TAT defined.
• Compliance Ensuring compliance with guidelines circulated from the Central office.

Click the "Apply on employer site"  button to know more about roles and responsibilities.

Training, development & rotations

• The trick in managing a successful program is to do “more with less”. So impacting more employees effectively, without spending too much is the answer to successful training.
• The Bank has built a strong training infrastructure, which seeks to upgrade skill levels across grades and functions through a combination of in-house and external programs.
• The key to an effective training function is active participation by all stakeholders, including Learning managers and HR managers.
• Senior leaders are actively engaged at every stage, right from need identification, to conceptualizing the training programs...and while conducting sessions.
• At HDFC Bank - with its induction, onboarding, and behavioural training programs like service excellence and leadership programs for various levels — employees are mapped to a training manager and the learning graph of all employees is tracked with updates available through the intranet.

Salary & Benefits

The annual salary for this role can range from INR 3.5 Lakhs to INR 5.3 Lakhs. (Source: AmbitionBox). Below are the benefits

• Tuition reimbursement for on-the-job training
• Employee assistance program
• Employee referral bonus
• Health and dental plans
• Paid vacation, holidays, and bereavement leave

Career progression

The rising Bankers Program is an initiative of HDFC Bank in collaboration with Amity Global Business School, to attract and develop young talent, who wish to pursue a career in Banking. This program aims to turn young graduates into highly-trained, well-groomed, customer-facing personnel. It entails on-campus learning for the first 5 months, followed by an internship for the next 3 months. Successful candidates will be awarded a Post Graduate Diploma certificate & a full-time job opportunity with the Bank.

Work-life balance

HDFC offers you paid vacation and holidays which gives you a reasonable work-life balance. Work days are usually from Monday to Saturday with alternate Saturdays off. They have strict work timings.

Culture & vibe

The bank is committed to maintaining the highest level of ethical standards, professional integrity, corporate governance, and regulatory compliance. HDFC Bank’s business philosophy is based on five core values: Operational Excellence, Customer Focus, Product Leadership, People, and Sustainability.

About You

Skills:

• Good verbal and writing skills
• Eye for detail
• Proactive and Self-driven
• Ability to multi-task

Experience:

• 0-2 years

How to Apply

To apply for this role, just click on the "Apply on employer site" button below, which navigates to the career page where the application can be submitted directly. You can use the filter available on the career page to search for different locations with the same title.