HDFC Bank Job for Fresher in Vadodara

Credit Mgr-CTG

Job Description

  • A.
  • Due Diligence To check all critical fields in application form and DDE sheet which has a bearing on dedupe.
  • To ensure data quality is in line with policy guidelines.
  • To check veracity of information through image uploaded vis–vis data captured.
  • To ensure all dedupe checks (Bureau, Possidex, MDR, CRILC, Probe 42 etc.
  • ) are done and output is evaluated in line with the policy of the bank before decision making.
  • To check all vendor reports (CPV report.
  • Valuation report, Legal report, Asset Verification report etc.
  • ) are in line with the scope of work of the vendor and covers critical / required information, for which the vendor has been appointed.
  • To use internal score card / credit assessment tools to appropriately underwrite loan proposals within the policy guidelines and capture necessary deviations wherever required.
  • B.
  • Portfolio Quality To meet rolled out target for Non-starter and EMR C.
  • Underwriting & Process efficiency To ensure underwriting TAT is met as per rolled out target.
  • To meet productivity norms by underwriting files allocated.
  • To avoid unwanted rework, increase FTAR, capture right pending / reject reasons, reduce RAL (without additional docs/info) and adhere to all other instructions given by the management from time to time.
  • D.
  • Audit To ensure adherence to both internal and external audit guidelines.
  • To ensure CAD is not breached.
  • To ensure e attendance is marked immediately after booting the system and log out before leaving office for the day.
  • To ensure User ID & Password is not shared with anyone in line with ISG policy of the Bank.
  • To ensure all relevant support is extended to the auditors for a smooth closure and the report is satisfactory.


  • Basic Aptitude
  • Understand and Reading Financial Statement
  • Understanding of Agricultural nuances are an added advantage
  • Interpersonal Skills
  • Good Communication Skills
  • Ability to negotiate

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