Sl Initiative-credit Officer

**Group Company**: HDFC Bank Limited

**Designation**: SL Initiative-Credit Officer

**Office Location**: Sabour Bhagalpur (Branch)

**Position description**:
Providing support to branch profitability by Client acquisition, financial Literacy, account opening & credit scrutiny.

**Primary Responsibilities**:

- Daily field visit to Customer (groups) to conduct Borrower Eligibility Test (BET) to check.
- Update BET details / findings in BET tool, this also includes;
- Appraise credit manager / RM of any ring leaders, dummy customers and possible fraud events identified during field activities for necessary action.
- Entering visit details on a day to day basis in SLI Officer Monitoring System/or any other system/ Mobile APP.

**Additional Responsibilities**:

- Load Sharing of other locations for conducting BET in time of high volumes or any other reasons as per instructions of Credit Manager.
- Cross Verification of certain track from different MFIs on case to case basis.
- Accompanying Credit Manager for post disbursement visits, if required
- Advance planning with business team on groups to be visited per week.
- Feedback to Credit Manager about geography, negative area, com competition presencepetition presence, customer quality, market trends in terms of launch of new products by
- customer quality, market trends in terms of launch of new products by competitors, change in their sourcing / appraisal process etc.
- Other activities such as post approvals visits, recovery visits along with sales Officer, preparation of MIS or any other as informed time to time.

**Educational qualifications preferred**
- **Category**: Bachelor's Degree, Master's Degree
- **Academic score**: Pass

**Required work experience**
- **Industry**: BFSI/Insurance
- **Role**: Fresher/Sales
- **Years of experience**: 0 to 1

**Required Skills**:
1. Honesty & integrity

2. Hard & smart working

3. Go getter attitude

4. Ability to convince & influence

5. Good observation skills

6. Communication & inter-personal skills

**Other details**
- **Contract Types**: PERMANENT