Looking for a rewarding career in the finance industry? HDFC Sales is hiring a Credit Manager in Lucknow. Join our dynamic team and play a crucial role in assessing creditworthiness, managing risk, and ensuring financial stability. Don't miss this opportunity to grow your career with one of India's leading financial institutions. Apply now!
Location: Lucknow
About HDFC Sales
HDFC Sales is a leading financial services intermediary that offers a wide range of financial products and services to customers across India. With a strong presence in the retail market, HDFC Sales aims to provide customized solutions to meet the diverse financial needs of individuals and businesses.
As a subsidiary of HDFC Bank, HDFC Sales has access to a vast network of branches and an extensive customer base. This enables them to offer competitive pricing, attractive interest rates, and personalized service to their clients.
HDFC Sales is known for its professionalism, integrity, and commitment to customer satisfaction. Their team of experienced professionals are well-equipped to understand the unique requirements of each customer and provide suitable financial solutions accordingly.
Roles and Responsibilities:
- Interpretation of Credit Bureau Report, Assessment of Income, Analysis of Bank Statements, Assessing eligibility of hubs and service centers
- Customer Interaction to understand needs, finds solutions within the product range available.
- Calculation of Net Present Values of maturing assets using excel sheets or programs.
- Knowledge of basic legal documentation involved in an acquisition of a home.
- Knowledge of technical fundamentals involved in an acquisition of a home.
- Cash flow method of assessment of NRI Loans, Ability to assess a Self Employed Loan
- Supervision and performance management of all team members
Supervision of all the activities done by Non-Sales Staff / coordinators:
- Sanctioning: - File processing by coordinator within the time, Customer Calling, Query resolving, File login at HDFC, Faster Sanction, keeping a check on TAT for Login & Sanction., Checking the Quality of Calls to Customers & Processing by coordinators.
- Disbursement: - Customer calling after Sanction of Case, Disbursement Follow-up with Customer & Sales force, and Technical Updation for Disbursement, Resolving Legal Queries, and Fixing of Disbursement, Keeping a Check on TAT of Legal Updation, Technical Updation, and Disbursement Fixing.
- Project Approval Creation of Property No, Query Resolving, Builder Appointment, Project Approval, Keeping a Check on TAT of Project Approval.
- LMS Timely Updation of Leads into LMS, Proper Follow-up on the next scheduled action date, Auditing of Leads, feedback & status.
Requirements;
- Location: Lucknow
- Ctc 5 - 7 lacs
- Must be an MBA or CA (finance or banking background preferred)
- Should have risk assessment skills along with vast experience in the field of underwriting
- Hands on experience in self-employed assessment.
- Must have minimum 2 - 3 years of team handling experience
- In depth understanding from sourcing to disbursement.
- Effective communication skills (verbal & written)
- At least 4 years of experience in the credit assessment field from home loan industry
- Solution orientation and ability to work under strict deadlines
- Should be willing to travel on a needed basis.
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