HDFC Limited - Retail Lending Operations Role

HDFC Limited - Retail Lending Operations - New Delhi

1. Appraisal - Assess Credit worthiness and the ability of the customer to repay back the loan in future.

2. Interaction & Loan Counselling - Meeting & interacting with customers, identifying the specific needs of the customer and suggesting optimal solutions. It also includes managing objections of the customers.

3. Documentation - Collecting & Checking the Documents (Eg. credit, loan agrements, application form, guarantee forms) ( Legal consequences)

4. Loan Processing / Disbursement Process - Entire sequence of steps, from the time a loan application is received (or a loan offer is accepted) to the time loan is closed, the loan proceeds are disbursed.

5. Relationship Management:

A. With customer - transaction oriented/relationship oriented to generate more business

B. Managing relations within the organisation / with the channel partners

6. Cross-Selling - Cross-Selling of HDFC Group company products eg. HDFC SLIC / HDFC ERGO

7. Business Development - Enhancing business from existing corporates, establishing new arrangements with corporates / developers for generating business for HDFC Ltd.