HDB Financial Services Limited Hiring for Branch Credit Manager at Dhanbād Full Time

Key functions will be:

 Credit Decisions – Take prudent lending decisions based on sound judgment

 Portfolio Quality Management – Ensure healthy branch portfolio.

 People Management – Manage & motivate credit & branch teams

 Assist RCM with coordinating / managing RCU & verification vendors.

 Contribute to branch profit goals

Credit Decisions

 Take sound lending decisions based on available information & interactions with the applicants.

 Manage credit quality and control delinquencies, frauds

 Understand credit policy as well as credit environment in the city / branch

 Structure the right product to the customer during customer interactions

 Provide superior customer experience

 Manage the process required for delivering reasonable turnaround time

 Monitor portfolio indicators and ensure that they are within the desired levels

Monitoring Performance

 Managing performance in terms of key drivers i.e.

o Loses / Portfolio quality parameters

o Cost of credit administration

o Employee Productivity

People Management

 Motivate and develop credit resources

SKILLS / COMPETENCIES REQUIRED

 Graduate / Postgraduate (MBA/CA preferred)

 4-5 years experience in Credit/Underwriting of Secured/Unsecured products

 Ability to manage credit processes & teams

 Understanding of portfolio metrics

 Strong inter-personal skills and leadership ability, which encourages and promotes enthusiasm and team spirit.