Job Description
Job Purpose
HDFC Bank is known as Retail Bank in the Indian Banking industry, our Retail exposure of total advances is more than 50%. We have various product bouquet under Retail advances which are managed by respective credit and risk team. Risk team is responsible for right product offering along with portfolio monitoring as one of the major KRA. Post approval reviews for checking policy adherence and monitoring.
Key Responsibility Areas : 6 – 8 Areas
Actionable (4-6)
Post Approval Review
• Online Post Approval Reviews to be done essentially for recent policy amendments. First two reports to be published within 30 days period from any policy revision being rolled out.
• Sampling to be done for Online review as well as physical review. Physical review to be done of disbursed loan proposals on monthly basis and the report to be published within 45 days.
• Managing the team of 4 ADFC staff members involved in the post approval review activity and ensuring the productivity is met on daily basis.
• Additionally review the nonstarters, npa , write off loan proposals and publish reports with findings on quarterly basis.
Policy/process training/Conducting of test
• Policy trainings to be conducted for the ADFC staff members involved in the post approval review process.
• Conducting the Policy Tests on monthly basis for the underwriting team.
• Periodic review of test papers and revisions basis policy amendments.
Preparation and Publishing Through The Door
• Weekly MIS of Through The Door for Tractor Loan Product Suite to be published.
• Statewise trend observations if any need to be highlighted separately and ensure that the same is corrected from next month.
Non Starter / Reject Analysis
• Non Starter data to be prepared and validated with collections data on monthly basis. Publishing the Trends across states and trend observations if any need to be highlighted separately and correction needs to be tracked.
• Non Starter contest to be driven with objective of daily update to all the stake holders and seniors to be updated on dalily basis.
• Non Starter visit data to be obtained from all the states on monthly basis and share the learnings of visits with all the stake holders.
• Reviewing the Monthly Rejects for Tractor Suite Products and publishing the trends at each state level.
System Implementation
• Creation / Revision / De-activation / Extension of credit promotion schemes , RBAs , Mitigants , Note Codes basis the existing policy guidelines and basis revisions in policy parameters.
HDFC Bank is known as Retail Bank in the Indian Banking industry, our Retail exposure of total advances is more than 50%. We have various product bouquet under Retail advances which are managed by respective credit and risk team. Risk team is responsible for right product offering along with portfolio monitoring as one of the major KRA. Post approval reviews for checking policy adherence and monitoring.
Key Responsibility Areas : 6 – 8 Areas
Actionable (4-6)
Post Approval Review
• Online Post Approval Reviews to be done essentially for recent policy amendments. First two reports to be published within 30 days period from any policy revision being rolled out.
• Sampling to be done for Online review as well as physical review. Physical review to be done of disbursed loan proposals on monthly basis and the report to be published within 45 days.
• Managing the team of 4 ADFC staff members involved in the post approval review activity and ensuring the productivity is met on daily basis.
• Additionally review the nonstarters, npa , write off loan proposals and publish reports with findings on quarterly basis.
Policy/process training/Conducting of test
• Policy trainings to be conducted for the ADFC staff members involved in the post approval review process.
• Conducting the Policy Tests on monthly basis for the underwriting team.
• Periodic review of test papers and revisions basis policy amendments.
Preparation and Publishing Through The Door
• Weekly MIS of Through The Door for Tractor Loan Product Suite to be published.
• Statewise trend observations if any need to be highlighted separately and ensure that the same is corrected from next month.
Non Starter / Reject Analysis
• Non Starter data to be prepared and validated with collections data on monthly basis. Publishing the Trends across states and trend observations if any need to be highlighted separately and correction needs to be tracked.
• Non Starter contest to be driven with objective of daily update to all the stake holders and seniors to be updated on dalily basis.
• Non Starter visit data to be obtained from all the states on monthly basis and share the learnings of visits with all the stake holders.
• Reviewing the Monthly Rejects for Tractor Suite Products and publishing the trends at each state level.
System Implementation
• Creation / Revision / De-activation / Extension of credit promotion schemes , RBAs , Mitigants , Note Codes basis the existing policy guidelines and basis revisions in policy parameters.
💡 Quick Summary
Seeking a career-building opportunity? The PAR Manager | Credit Role position is now open for candidates interested in the Bank Jobs sector. This role in Mumbai offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Bank Jobs is a plus.
