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A.

Marketing/Business Development

Eligibility – MBA (Marketing)

Job Responsibilities

1. Managing business relations with developers, development


authorities, Corporates & other market intermediaries.
2. Promoting HDFC Home Loans through tie-ups & events with the
above entities.
3. Manage product awareness & brand visibility through advertising.
4. Plan and execute branch expansion plans to new markets.
5. Analyse markets, recommend business strategies and have them
executed.
6. Support sales force through business source mapping & source wise
performance measurement.
7. Motivate the sales force through training & contests.
8. Coordinate call centre & web based activities.
9. Conduct external surveys for competition monitoring & real estate
study.
10.Conduct internal surveys for customer satisfaction measurement &
product/process review.
B. Credit Appraiser- Retail Lending (Operations)

Eligibility – MBA (Finance)

Job Responsibilities

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

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.

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

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.

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

Relationship Management
A. With customer - transaction oriented/relationship oriented to generate
more business
B. Managing relations within the organization / with the channel partners

Business Development
Enhancing business from existing corporates, establishing new arrangements
with corporates / developers for generating business for HDFC Ltd.
Skills & Knowledge

Customer Orientation
Understand the customer's requirements or problems completely & respond
quickly to the needs of both external & internal customers

Communication Skills
Excellent Oral & Written Communication / Providing Information to
customers / Internal communication for co-ordination with departments and
channels

Team Working & Collaboration


Work as a team and contribute as a team, not only focus on individual
brilliance / Help colleagues in achieving the team targets

Achievement / Result Orientation


Aggressiveness/Adaptability/Flexibility/Competitive Spirit vis-à-vis ethics

Process Orientation
Adhere strictly to standard operating procedures. Awareness of the end to
end process and the role that he plays as a part of the process that impacts
the customer / TAT / Responsibility for process improvement / (Systems -
ILPS /LAC/LMS)

Negotiating Skills
Probing to understand customer's need, managing objections, and
Structuring solutions, closing.

Time Management
TAT/ Punctuality/ Time taken with the customer /Prioritizing / Multitasking

Geography (In case of local candidate)


In-depth knowledge about the various geographic locations/landmarks and
the ability to understand the real estate scenario in the city.

Local Language (Depends on location)


Fluency in the local language required in some cases like small towns

Integrity
Personal traits like integrity & sincerity has to be of exceptionally high
C. Credit Processing

Eligibility – MBA (Finance)

Job Responsibilities

Appraisal
To create a quality portfolio my managing risk through effective credit
appraisal, maintaining TAT , maintaining a healthy relationship with channel
partners and being a process thinker and innovator.

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

Interaction
Interacting with customers on phone. It also includes managing objections of
the customers. Meeting customers and doing personal discussion.
Suggesting optimal solutions to customers needs.

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.

Relationship Management
Managing relations within the organization / with the channel partners

Skills & Knowledge

Risk Management
Informed decision making, probing to neutralize personal biases, analysis of
data and documents - Credit appraisal
Communication Skills
Excellent Oral & Written Communication / Providing Information to
customers / Internal communication for co-ordination with departments and
channel partners

Team Working & Collaboration


Work as a team and contribute as a team , not only focus on individual
brilliance / Help colleagues in achieving the team targets

Achievement / Result Orientation


Aggressiveness/Adaptability/Flexibility/Competitive Spirit vis-à-vis ethics

Process Orientation
Adhere strictly to standard operating procedures. Awareness of the end to
end process and the role that he plays as a part of the process that impacts
the customer / TAT / Responsibility for process improvement / (Systems -
ILPS /LAC/LMS)

Negotiating Skills
Probing to understand customer's need, managing objections, and
Structuring solutions, closing.

Time Management
TAT/ Punctuality/ Time taken with the customer /Prioritizing / Multitasking

Process Innovation
Ability to think through the current process and suggest ways to improve the
same for effective results

Geography (In case of local candidate)


In depth knowledge about the various geographic locations/landmarks and
the ability to understand the real estate scenario in the city.

Integrity
Personal traits like integrity & sincerity has to be of exceptionally high