HDFC Sales (Gujarat): Credit Officer | Salary Upto 2 L pa | JC/1727

 WALK IN DRIVE – 13^th Aug & 14^th Aug – BETWEEN 11.00AM TO 3.00PM

 

CVs NEEDS TO BE SHARED FIRST, ONCE SHORTLISTED WILL BE SCHEDULED FOR INTERVIEW

 

HENCE PLEASE SHARE CVs AT THE SOONEST

 

 

Interview Process:

 

• Post CV Screening Ridhima will provide a time slot to connect your candidate for a con call
• Post her short listing, candidate’s profile will be shared with the client

• Immediate Joiners Required
• Work from Office

 

 

Pointers:

1- Tracker and Resumes should be shared one day prior to Interview date.
2- Candidates should be from Local Area.
3- Candidates should have 01 year of relevant experience.
4- Candidates should be MBA in Finance only
5- Candidates having relevant experience will only be preferred. 

 

 

 

Sr no	Name of Candidate	Contact number	Position	Location	Interview Date	Interview Time	Current/Last Employer	Last CTC	Expected CTC	Referred By

 

Company Website: https://www.hdfcsales.com/

HDFC Sales is a wholly owned subsidiary of HDFC Ltd. The company has been floated as a distribution arm of HDFC with an objective of offering doorstep service to

prospective clients of HDFC group. HDFC Sales offers financial management solutions to individuals encompassing among other products like Home Loans, Life

Insurance, Mutual Funds, Fixed Deposits and Property Solutions.

 

Job Code	JC/1727
Process	Credit Officer
No. of Requirements	1
Gender	Male
About Process	Check the Files as per company standards and ensure there no mistakes in data entry before files achieves DOVR status
	Ensure all DOVR files achieve status ITPD or ITSC within 4 hours of the file achieving DOVR status
	Prepare a note sheet with notes reflecting all queries and pending documents. This note sheet is the support tool to call the customer and resolve pending issues
	NECESSARILY call the customer. We expect all customers to be called so that we acknowledge the receipt of his application and papers. Confirm pending documents, agree to next action for every document and query. There are instances when a customer is unable to take a call, in such cases send an email
	Prepare the interview sheet on line and as part of the interview sheet, update all pending documents and queries. All pendency’s to be assigned for next action, date & time, the person who will perform the next action
	Refresh dashboard to understand if all pending documents and queries are resolved even while the status remains ITPD
	Ensure all actions due by all concerned are taken, follow up done with the customer and SO, if required, new action date and time assigned. Wherever required due escalations to be done for non-performance of action due
	It is expected that the Officer Credit will complete the file and move it to RHDFC stage in 3 working days of the file achieving DOVR status
	80% of the files submitted as RHDFC should not appear in File Requirements (FR)
	The rest 20% should be resolved within 2 working days of the FR being raised
	All queries raised or pending documents identified by HDFC need to examined and in case not found genuine, revert to HDFC immediately so that the file does not reflect in FR for the wrong reasons
	If the FR status is agreed upon, then speak to the customer and / or the SO, resolve the query, update and revert to HDFC. In case the query resolution requires submission of a document, try to secure the same on email preferably so as to save time. If the documents are voluminous or cannot be mailed for any other reason, ensure assignment to the customer and / or the SO such that the files move to Re-review stage within 2 days of the FR being raised
Title	Credit Officer
Location	Vadodara - Sarabhai Road
Requirement	Good Communication Skills (8/10)
	Conversation Skills:  The OC should be able to converse in the local and English language fluently. Must not reflect a local language bias whilst conversing in English
	Analytical Skills: Ability to analyze the individual’s application in terms of ability to pay, reasons for the person to pay a higher EMI than the norms, derive the cost of property taking into account localized costs elements, decipher KYC documents and ensure compliance, read the CIBIL report and interpret scores. Identify any hints of fraud in documents or nervousness in speech leading to suspicion. Ability to read a bank statement, identify abnormal trends and seek clarifications
	Ability to convince: Must possess probing skills to ask and seek so as to be convinced herself. Carry convictions and ability to convince through written language and if required through verbal skills another person in HDFC appraising the file
Education	Good
	MBA in Finance stream is must
	He/ She must have 01 years of Experience in Processing of Home Loan Self Employed Cases/Files
	Relevant work experience with expertise in Processing of Self Employed Cases who’ll be able to Check and analyze the files of Home loans and can do discussion with Customers and concern managers as and when required
	He/ She must be able to Discuss with Customers and concern Managers as and when required
Shift timings	9:30 am to 6:30 pm
Transport Boundaries	NA
Transport Facility	NA
Salary Range	1.7 LPA to 2 LPA + Incentives
Weekly Off	Sunday fixed off
Age	Upto 30 years
USP	brand, Growing industry, Growth opportunity.
Rounds of Interview	HR (Check previous experience, Qualification, Age, Communication skills, Compensation, Stability)
	Operations (Process knowledge, Age, Stability, Communication skills, Compensation)
Documents	Educational + Identity Proof + Residential Proof + Offer Letter + Salary Proof (Bank Statement/Payslip) + Relieving Documents
Clawback	90 Days