Credit Officer
3 days ago
Process Flow for the Officer - Credit (OC):
1. The OC must refresh the dashboard every time she is done with working on a file. The dashboard will reflect all files in DOVR status.
2. The first file in the queue, which is identified by the date and time of the file achieving the DOVR status, should be taken up for preparing the interview sheet.
3. Appraisal and preparation work for making a call to the customer:
c. Calculate eligibility which is IIR, FOIR and LCR. Check these with the Officer’s interview sheet, in case of large differences, make notes and later call the officer for clarity.
d. Check for proof of own contribution, make notes and write questions to ask the customer
e. Prepare notes related to the profile of the customer which should include questions on his past employment, family details,
4. Calling the customer:
a. Follow the script in terms of courtesies. Script provided with this note.
b. Scripts are provided for many of the common objections raised by customers and training will be provided for handling objections.
c. You must ensure that everything that the customer needs to comply with is bound by a date and time. This date and time must be updated in the next action column details.
f. Also confirm that the only payment made is towards the processing fee and that the same has been done by cheque. State the confirmation in the remarks column of the interview sheet.
**Job Types**: Full-time, Permanent
Pay: Up to ₹1,000,000.00 per year
**Benefits**:
- Health insurance
Schedule:
- Day shift
- Fixed shift
- Morning shift
Supplemental Pay:
- Commission pay
- Performance bonus
- Yearly bonus
**Experience**:
- total work: 5 years (required)
Work Location: In person
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