Retail Agri-Credit-officer - Sonjamb

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