Branch Credit Manager

Hdb Financial Services

Bengaluru

3-8 Years

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Posted a day ago
Over 50 applicants

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Job Description

Job Role :

Evaluating credit proposals covering financial, business and industrial risk & decisioning of the loan.
Verifying the promoters track record & ascertaining their credit worthiness.
Analysis of the financial statements of the prospective customer to identify the short term & long term
Solvency & liquidity position
To ensure Bounce Rate and Delinquency are within acceptable standards.
Monitor and enforce approval rate and TAT as per prescribed standards.
Monitor and ensure that monthly Branch audit score is satisfactory.
Vendor Management.
To conduct customer meeting to evaluate credit proposal
PDD Tracking and closure
Compliance to repayment instrument replenishment to ensure regular repayment of EMI

Key Responsibilities :

Credit Decisions

Take sound lending decisions based on available information & interactions with the applicants.
Manage credit quality and control delinquencies, frauds.

Monitoring Performance

Managing performance in terms of key drivers i.e.

Loses / Portfolio quality parameters.
Cost of credit administration.
Employee Productivity.

More Info

Job Type:

Permanent Job

Industry:

Financial Services

Role:

Retail Branch Operations

Function:

Banking

Employment Type:

Full time

Open to candidates from:

Indian

About Company

Hdb Financial Services

HDB Financial Services (HDBFS) is a leading Non-Banking Financial Company (NBFC) that caters to the growing needs of an Aspirational India, serving both Individual & Business Clients

The lines of business include - Lending and BPO Services. Incorporated in 2007, HDB is a well-established business with strong capitalization. HDBFS is accredited with CARE AAA & CRISIL AAA ratings for its long-term debt & Bank facilities and an Al+ rating for its short-term debt & commercial papers, making it a strong and reliable financial institution.

HDB has a robust network of more than 1770 branches in 1170 cities, thus catering to a wide reach of customers. The organsation offers a comprehensive bouquet of products and service offerings that are tailor-made to suit its customers' requirements, including first-time borrowers and the underserved segments. The product portfolio includes Personal Loan, Business Loan, Loan Against Property, Enterprise Business Loan, Gold Loan, Car Loans, Loan Against Securities, Commercial Vehicle Loan, Construction Equipment Loan and Consumer Durable Loan.

HDB's BPO services offerings include running collection call centers, sales support services, back office operations and processing support services.

Job ID: 119225095

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