Retail Agri|Credit|officer

Group Company: HDFC Bank Limited Designation: Retail Agri-Credit-officer Position description: Providing support to branch profitability by Client acquisition, financial Literacy, account opening & credit scrutiny. Primary Responsibilities: • 1. Daily field visit to Customer (groups) to conduct Borrower Eligibility Test (BET) to check; • 2. Update BET details / findings in BET tool, this also includes; • 3. Appraise credit manager / RM of any ring leaders, dummy customers and possible fraud events identified during field activities for necessary action. • 4. Physical File Verification with system/Mobile APP- Crosschecking of entry done in system with applicationform details of each member via KYC detail, family details, existing loan details & activity • 5. 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, competition presence, 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. Educational qualifications preferred • Category: 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 & inter-personal skills Other: • Reporting Designation: Credit Manager • Reporting Department-Sub BU: Retail Agri Credit Other details • Contract Types: PERMANENT