Credit Relationship Manager - Cross Sell (Personal Loan)

HDB Financial Services; Dadri; On-site; INR 350,000 - 550,000; Full time

Job summary

HDB Financial Services in Uttar Pradesh seeks a credit underwriting professional with 1–3 years of experience to evaluate cross-sell opportunities and manage credit quality. You will ensure compliance with policy, drive productivity, and handle MIS, fraud investigations, and process improvements.

The role requires strong interpersonal and leadership skills, with the ability to coordinate with the business team and manage manpower effectively.

Qualifications

• Graduate or postgraduate with 1–3 years of relevant experience.
• Understanding of cross-sell business and its profit drivers.
• Strong interpersonal and leadership skills.
• Ability to drive and track profitability at unit levels.

Responsibilities

• Underwrite credit and appraisals for cross-sell opportunities.
• Manage credit quality and delinquencies.
• Understand credit policy and local city/branch context.
• Deliver transactional quality and productivity per KRO.
• Conduct post-disbursement verification.
• Investigate pre-acquisition fraud.
• Prepare weekly and monthly MIS and trackers.
• Monitor approval rate and TAT per standards.
• Coordinate with business team to resolve queries.
• Share best practices and trends by location.
• Manage manpower requirements in a timely manner.

Skills

Cross-sell knowledge

Inter-personal skills

Leadership

Profitability tracking

Education

Graduate / Post Graduate

Job description

Key Responsibilities : Role & responsibilities

• Responsible for Credit underwriting, credit Appraisals of Cross Sell.
• Manage credit quality and control delinquencies.
• Understand credit policy and processes as well as credit environment in the city / branch.
• Deliver transactional quality and productivity as per agreed KRO.
• Responsible for checking online profiling of customer in fastest mode.
• Managing Post Disbursement Verification
• Investigation on pre-acquisition fraud's
• Managing Weekly and Monthly MIS and Trackers.
• Monitor and enforce approval rate and TAT as per prescribed standards.
• Co-ordination with Business team for resolving queries.
• Sharing of best practices and trend for respective locations.
• Managing manpower requirements on timely basis.

Key Responsibilities :

• Credit Underwriting
• Operations Management
• Client Servicing
• Team Management
• Proactive and good knowledge .

Preferred candidate profile

• Graduate/Post Graduate
• 1 - 3 yrs of relevant experience.
• Understanding of cross sell business and its profit drivers.
• Strong Inter-personal and leadership skills.
• Ability to drive and track profitability at unit levels