SL Initiative|Credit Officer | Khambhalia

Group Company: HDFC Bank Limited

Designation: SL Initiative-Credit Officer (230_617_100145)

Office Location: JAMKHAMBHALIA Khambhalia (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.

Reporting Team
• Reporting Designation:
• Reporting Department:

Educational qualifications preferred
• Category: Bachelor's Degree, Master's Degree
• Field specialization:
• Degree:
• Academic score: Pass
• Institution tier:

Required Certification/s:

Required Training/s:

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

Key Performance Indicators:

Required Competencies:

Required Knowledge:

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

Required abilities
• Physical:
• Other:

Work Environment Details:

Specific requirements
• Travel:
• Vehicle:
• Work Permit:

Other details
• Pay Rate:
• Contract Types: PERMANENT
• Time Constraints:
• Compliance Related:
• Union Affiliation