Job Description- Operation- Front Office

Responsibilities Explanation

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

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

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

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

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

5 Relationship Management 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

Enhancing business from existing corporates, establishing new arrangements with

7 Business Development corporates / developers for generating business for HDFC Ltd.

Skills & Knowledge

Understand the customer's requirements or problems completely & respond
1 Customer Orientation quickly to the needs of both external & internal customers
 Excellent Oral & Written Communication / Providing Information to customers /
2 Communication Skills Internal communication for co-ordination with departments and channels

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

4 Achievement / Result Orientation Aggressiveness/Adaptability/Flexibility/Competitive Spirit vis-à-vis ethics

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
5 Process Orientation
customer / TAT / Responsibility for process improvement /
(Systems - ILPS /LAC/LMS)

Probing to understand customer's need , managing objections, Structuring

6 Negotiating Skills solutions , closing.

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

9 Integrity Personal traits like integrity & sincerity has to be of exceptionally high
Indepth knowledge about the various geographic locations/landmarks and the
9 Geography (In case of local candidate) ability to understand the real estate scenario in the city.

10 Local Language (Depends on location) Fluency in the local language will be an added advantage.

Educational Requirements
MBA / PGDM in Finance / Marketing Specialisation

Experience

Indicative CTC Range

Grade
Designation

Location To be filled by respective branch

Reporting To To be filled by respective branch