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Credit Officer (Self Employed)

Job Description

Roles & Responsibilities:

  • Interpretation of Credit Bureau Report, Assessment of Income, Analysis of Bank Statements, Assessing eligibility
  • Customer Interaction to understand needs, finds solutions within the product range available
  • Calculation of Net Present Values of maturing assets using excel sheets or programs
  • Knowledge of basic legal documentation involved in an acquisition of a home
  • Knowledge of technical fundamentals involved in an acquisition of a home
  • Cash flow method of assessment of NRI Loans, Ability to assess a Salaried Loan
  • Sanctioning:-  File processing by coordinator within the time, Customer Calling, Query resolving, File login at HDFC, Faster Sanction, Keeping a check on TAT for Login & Sanction., Checking the Quality of Calls to Customers & Processing by coordinators. 
  • Disbursement: - Customer calling after Sanction of Case, Disbursement Follow-up with Customer & Sales force, and Technical Updation for Disbursement, Resolving Legal Queries, and Fixing of Disbursement, Keeping a Check on TAT of Legal Updation, Technical Updation, and Disbursement Fixing. 
  • Project Approval – Creation of Property No, Query Resolving, Builder Appointment, Project Approval, Keeping a Check on TAT of Project Approval.




2 – 4 years

Salary Range:

As per industry standard

Functional Area:

Credit Officer

Employment Type:


Desired Candidate Profile:

  • Preferably an MBA in Finance
  • At least 1 year of relevant work experience in credit 
  • Effective communication skills
  • Analytical abilities
  • Solution orientation, ability to work under time pressure
  • Good organization skills
  • Positive attitude

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Our Team Says

Don’t just take it from us; let our employees do the talking!

Dayanand Shevale,
Area Manager,
Mortgage Sales

  “My tenure with HDFC Sales has been eventful and fulfilling. I was assigned the role of a ’Subject Matter Expert‘. Meanwhile, I was detected with a severe medical condition which impacted my personal and professional life for around a year. Due to the flexible working environment and extended support by my peers and manager, I was able to see through my situation.”

Varoon Joshua,
Territory Manager,
Mortgage Sales

  “HDFC Sales is the first firm where I shifted my domain from HR to Sales & Marketing. The only experience that I brought to this job was people-management. My seniors were kind enough to give me the opportunity. As a Team Manager, I have learned a lot, built networks, grown from managing a team of 12 to now 48 people as an Assistant Sales Manager. 6 years on, I am still learning, building better relationships, understanding people and helping my team make the most of their experience with HDFC Sales.”