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HDFC Bank Looking for Credit Intelligence & Control- SLI – Officer – Ranchi at Ranchi, Jharkhand Full Time
Department
CIC – SLI
Job posted on
Sep 01, 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
