Credit Intelligence

Department
- CIC - SLI
- Job posted on
- Sep 04, 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