Role & responsibilities

1. To ensure all loan proposals are processed within defined TAT and credit delivery to the customer (both internal and external customers), with very low defects/reworks, and increasing efficiency of operations and vendor competence improvement.
2. Adherence to the policy/process laid out by the Central team on all application being processed
3. Very close monitoring on Non-starters / EMR / 3-30 & 6-60 trends so as to ensure healthy portfolio.
4. Audit compliance on all aspects stipulated by Head office, and regulatory compliance in the location.
5. To interact closely with other functions such as Sales/Operations/Collections in ensuring a smooth delivery of corporate objectives.
6. To ensure vendor report quality.

Preferred candidate profile

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.

Portfolio Quality

- To meet rolled out target for Non-starter and EMR

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.

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.

📌 Credit Manager-LAP (West Bengal)
🏢 HDFC Bank
📍 West Bengal