Credit Coordinator - Self Employed || Hdfc

Key Responsibilities

1. Process DOVR files and move them to

   ITPD/ITSC within 4 hours

   .
2. Complete all loan files and move them to

   RHDFC stage within 3 working days

   .
3. Review loan application forms for completeness and accuracy.
   
4. Cross-check application details with supporting documents (KYC, income, property, bank statements).
   
5. Calculate eligibility parameters (

   IIR, FOIR, LCR

   ) and record observations.
6. Verify

   proof of own contribution

   and prepare a customer profile note.
7. Call all customers to:
   
• Acknowledge receipt of application.
  
• Confirm pending documents & set timelines.
  
• Validate BSA code (if mentioned).
  
• Confirm processing fee paid by cheque only.
  
8. Use prescribed scripts for calls and handle objections professionally.
   
9. Maintain and update

   interview sheets

   with queries, pendencies, timelines, and next actions.
10. Ensure

    80% of RHDFC submissions are FR-free

    , balance 20% to be resolved within

    2 working days

    .
11. Revert to HDFC immediately for any

    invalid queries

    raised.
12. Coordinate with customers / SOs for document collection (preferably via email).
    
13. Escalate delayed or non-completed actions to the reporting manager.
    
14. Adhere strictly to compliance norms and detect potential frauds or discrepancies.
    

Skills & Competencies Required

1. Communication Skills

   Fluent in English & local language, neutral tone, strong customer handling.

2. Analytical Ability

   Ability to assess repayment capacity, interpret CIBIL reports, and analyze bank statements.

3. Convincing Skills

   Strong probing, ability to negotiate, convince, and justify case details.

4. Attention to Detail

   – Accuracy in checking documents and updating records.

5. Time Management

   – Ability to manage multiple files and meet strict deadlines.

Qualifications & Experience

• Graduate / Postgraduate in Finance, Commerce, Business Administration, or related field.
  
• 0.6–5 years of experience in

  credit appraisal / loan processing / banking or NBFC sector

  .
• Knowledge of financial ratios, lending policies, and KYC norms.
  
• Experience with HDFC credit processing systems is an added advantage.
  

Performance Metrics

1. Timely file movement:

   DOVR RHDFC within 3 working days

   .

2. 80%+ FR-free

   submissions.

3. 100% customer acknowledgment calls

   within 24 hours.
4. Zero compliance lapses and accurate documentation.