Professional Documents
Culture Documents
Marketing/Business Development
Job Responsibilities
Job Responsibilities
Appraisal
Assess Credit worthiness and the ability of the customer to repay back the
loan in future.
Documentation
Collecting & Checking the Documents (Eg. credit, loan agreements,
application form, guarantee forms) (Legal consequences)
Cross-Selling
Cross-Selling of HDFC Group company products eg. HDFC SLIC / HDFC
ERGO
Relationship Management
A. With customer - transaction oriented/relationship oriented to generate
more business
B. Managing relations within the organization / with the channel partners
Business Development
Enhancing business from existing corporates, establishing new arrangements
with corporates / developers for generating business for HDFC Ltd.
Skills & Knowledge
Customer Orientation
Understand the customer's requirements or problems completely & respond
quickly to the needs of both external & internal customers
Communication Skills
Excellent Oral & Written Communication / Providing Information to
customers / Internal communication for co-ordination with departments and
channels
Process Orientation
Adhere strictly to standard operating procedures. Awareness of the end to
end process and the role that he plays as a part of the process that impacts
the customer / TAT / Responsibility for process improvement / (Systems -
ILPS /LAC/LMS)
Negotiating Skills
Probing to understand customer's need, managing objections, and
Structuring solutions, closing.
Time Management
TAT/ Punctuality/ Time taken with the customer /Prioritizing / Multitasking
Integrity
Personal traits like integrity & sincerity has to be of exceptionally high
C. Credit Processing
Job Responsibilities
Appraisal
To create a quality portfolio my managing risk through effective credit
appraisal, maintaining TAT , maintaining a healthy relationship with channel
partners and being a process thinker and innovator.
Documentation
Collecting & Checking the Documents (Eg. credit, loan agreements,
application form, guarantee forms) (Legal consequences)
Interaction
Interacting with customers on phone. It also includes managing objections of
the customers. Meeting customers and doing personal discussion.
Suggesting optimal solutions to customers needs.
Relationship Management
Managing relations within the organization / with the channel partners
Risk Management
Informed decision making, probing to neutralize personal biases, analysis of
data and documents - Credit appraisal
Communication Skills
Excellent Oral & Written Communication / Providing Information to
customers / Internal communication for co-ordination with departments and
channel partners
Process Orientation
Adhere strictly to standard operating procedures. Awareness of the end to
end process and the role that he plays as a part of the process that impacts
the customer / TAT / Responsibility for process improvement / (Systems -
ILPS /LAC/LMS)
Negotiating Skills
Probing to understand customer's need, managing objections, and
Structuring solutions, closing.
Time Management
TAT/ Punctuality/ Time taken with the customer /Prioritizing / Multitasking
Process Innovation
Ability to think through the current process and suggest ways to improve the
same for effective results
Integrity
Personal traits like integrity & sincerity has to be of exceptionally high