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Job type
Permanent
Department
CIC – SLI
Job posted on
Sep 21, 2023
Employee Type
Permanent-Sales Vertical
Experience range (Years)
0 – 5 years
Group Company: HDFC Bank Limited
Designation: Credit Intelligence & Control- SLI – Officer
Position description: Providing support towards reducing fraud risk in the SLI product
Primary Responsibilities:
– To conduct Risk based checks on Groups and Group members post disbursement
– Checking existence of groups and members
– Checking for anomalies such as member exit from group OR members from same family etc.
– Checking Involvement of 3rd party in the loan structure and in sourcing process
– Checking approved Geo limit in between the group member.
– Any unauthorized financial transactions carried out by the bank staff or associated staff for facilitate the loan.
– Verifying RM, Credit FE and SO visit conducted at the time of sourcing stage.
– Checking maintenance of records by group and group members for e.g.; 100% attendance at time of BET (borrower eligibility test), borrower cannot have more than 2 loans other than HDFC bank
– Confirming loan availed by members and end use
– Scrutiny of KYC documents held by the applicant
– Responsible for gathering concerns on any issues related to misappropriation of funds, higher EMI / higher interest charges collected from group members
– Instilling confidence in group members to admit any kind of wrong practices happening with regards to group management
– Support in carrying out investigations of frauds detected post disbursement and initiate remedial procedures towards recovery and legal recourse
Additional Responsibilities:
– Engaging with Business and Credit unit to discuss and resolve matters pertaining to specific cases
– Highlighting instances to Business and Credit of instances where group members’ contractibility was low.
– MIS reporting to Location managers and Regional teams on various data requirements
– Highlighting incorrect information updated in the loan structure i.e. Incorrect Mobile no. KYC’s
Educational qualifications preferred
– Category: Bachelor’s Degree, Master’s Degree
Required work experience
– Industry: BFSI
– Role: Fresher/Sales
– Years of experience: 0 to 5
Key Performance Indicators:
Proactive, Ability to complete the given task within defined time period
Required Skills:
– Honesty & integrity
– Hard & smart working
– Go getter attitude
– Ability to convince & influence
– Good communication Skills
– Proficiency in excel and adequate system knowledge.
Other:
– Reporting Designation: Location Manager
– Reporting Department-Sub BU: CIC – SLI
Work Environment Details:
Field work
▶️ Credit Intelligence & Control- SLI – Officer – Sambalpur
🖊️ HDFC Bank
📍 Sambalpur
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