Retail Agri-Credit-officer 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

Job description

• Providing support to branch profitability through Client acquisition, financial Literacy, account opening & credit scrutiny.

Responsibilities

• Daily field visit to Customers (groups) to conduct Borrower Eligibility Test (BET) to check.
• Update BET details/findings in the BET tool, this also includes.
• Appraise the 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- Crosschecking of entry done in a 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 times of high volumes or any other reasons as per instructions of the Credit Manager.
• Cross Verification of certain tracks from different MFIs on case to case basis.
• Accompanying Credit Manager for post-disbursement visits, if required
• Planning with the business team on groups to be visited per week.
• Feedback to the Credit Manager about geography, negative areas, competition presence, customer quality, market trends in terms of the launch of new products by competitors,
• change in their sourcing/appraisal process etc.
• Other activities such as post approvals visits, recovery visits along with the sales Officer, preparation of MIS, or any other as an informed time to time.

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 behavioral 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 salary for this role in India at HDFC Bank can range from INR 3.3 to INR 6.8 LPA(Source: Ambition Box)

• 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

Qualifications

• Bachelor's Degree, Master's Degree

Required work experience

• Industry: BFSI/Insurance
• Role: Fresher/Sales
• Years of experience: 0 to 1

Required Skills

• Honesty & integrity
• Hard & smart working
• Go-getter attitude
• Ability to convince & influence
• Good observation skills
• Communication & interpersonal skills

Other

• Reporting Designation: Credit Manager
• Reporting Department-Sub BU: Retail Agri Credit

How to Apply

To apply for this position, simply click the “APPLY” button on this page.