Job Title:

Credit Officer – SLI Initiative

Job Details:

Business Unit (PA): SLI

Team: Sustainable Livelihood Initiative

Reports to (job): Credit Manager- SLI

Location of role: SLI Branches

Job Fn: Credit Support

Role Type: Individual

No of direct reportees: 0

Travel Required: Daily/Extensive

Job Band Range: S1/S2

JD Created date: 28-Mar-25

JD Updated date: 28-Mar-25

Version No: 1.0

Job Purpose:

Verification and field visits for cases logged in the SLI business initiative of the Bank, including group loans and individual loan cases logged by the business team.

Job Responsibilities:

Primary Responsibilities:

Daily field visits to customers (groups)/individuals to conduct Borrower Eligibility Test (BET).

Update BET details/findings in the BET tool.

Appraise credit manager/RM of any ring leaders, dummy customers, or possible fraud events identified during field activities.

Physical file verification with system/Mobile APP, cross-checking entries with application form details (KYC, family, existing loan, activity).

Enter visit details daily in SLI Officer Monitoring System/Mobile APP.

Additional Responsibilities:

Load sharing for BETs in other locations during high volumes or as instructed by the Credit Manager.

Cross-verification of certain tracks from different MFIs on a case-to-case basis.

Accompany Credit Manager for post-disbursement visits, if required.

Advance planning with the business team on groups to be visited weekly.

Provide feedback to Credit Manager on geography, negative areas, competition, customer quality, and market trends (current products by competitors, changes in sourcing/appraisal).

Other activities:



post-approval visits, recovery visits with sales officers, MIS preparation, or other assigned tasks.

Others:

Control parameters may be added or omitted based on business/market requirements and senior management directives.

Any other task assigned by seniors.

Educational Qualifications:

Graduation

Key Skills:

Interpersonal Skills

Basic Banking Product & Process Knowledge

Experience Required:

Minimum experience: 0-3 years

Exposure to banking/insurance is an added advantage

Major Stakeholders:

Credit Manager

Sales Team

Skills

Refer to the

About HDFC Bank

HDFC Bank is one of India’s leading private banks. The Housing Development Finance Corporation Limited or HDFC Ltd was among the first financial institutions in India to receive an “in principle” approval from the Reserve Bank of India (RBI) to set up a bank in the private sector. This was done as part of RBI’s policy for liberalization of the Indian banking industry in 1994. HDFC Bank was incorporated in August 1994 in the name of HDFC Bank Limited, with its registered office in Mumbai, India. The bank commenced operations as a Scheduled Commercial Bank in January 1995. As of March 31, 2026, the Bank’s distribution network was at 9,689 branches and 21,172 ATMs across 4,175 cities / towns as against 9,455 branches and 21,139 ATMs across 4,150 cities / towns as of March 31, 2025. 50% of the branches are in semi-urban and rural areas. In addition, the Bank has 14,400 business correspondents, which are primarily manned by Common Service Centres (CSC). The Bank’s international operations comprise five branch

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📌 Credit Officer-SL Initiative (Guntur)
🏢 HDFC Bank
📍 Guntur