HDFC Bank Job for Freshers in Bhopal HDFC Bank

Retail Agri-Credit-officer

Full Job Description

Department

Retail Agri Credit

Employee Type

Permanent-Sales Vertical

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

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