· Product & Policy
· Modification of product/ policy parameters based on market dynamics and customer feedback during location, HDFC Bank Liability Branch and corporate visits.
· Segment wise review for identifying critical impact areas/ locations/ segments and take corrective actions to minimize credit losses and optimizing profits to the Bank.
· Running of knowledge series to ensure awareness of product USP’s
· Managing Approval Rates, TAT & FTNR of Personal Loan and take corrective action to improve.
· Yield Management
· Formulation and implementation of corporate pricing to ensure effective penetration and optimizing yield.
· Increase/ maintain HDFC Bank Salary relationship market share in top corporate through pricing, processes and unique product feature offerings.
· Formulation of Pricing and Deviation grid to facilitate appropriate mix of customer acquisition, empowerment to the line teams while maintaining the overall Yield budgets
· Develop and implement corporate retention (Salary accounts) through effective and competitive product pricing and increase HDFC Bank’s market share in the respective corporate salary accounts.
· Customization of product offering and processes through Corporate Loan Program (CLP) to cater to large Corporate.
Meeting top corporate executives for evaluating product offerings and improvisations
· Personal Loan Portfolio Management
· Analysis of value growth, acquisition and other parameters on health of the portfolio; identify the critical impact areas and locations not meeting objectives.
· Developing application scoring models with support from risk analytics unit to improve product offering for the customers and maintain portfolio quality as per Bank’s risk philosophy.
· Regular interaction with National, Zonal and Local Sales team for ensuring appropriate product understanding and resolution of related queries.
· Financial Management
· Monitoring profitability parameters viz. interest income, cost of funds, processing fees, priority sector lending, cost of acquisition, operation cost, NCLs & specific provisioning and ensure efficiency is built in all business dynamics..
· Key initiatives of Personal Loan
· CoA of the initiative
· Timely evaluation of the initiative
· Essential Post-Graduation
· Sales and Influencing Skills
· Banking Product & Process Knowledge
· Product and Regulatory Knowledge
· Planning and Organizing Skills
· Knowledge of Competition & Current trends in financial Industry.
Experience Required (examples listed below)
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Rs. 18-20 Lacs
IT Software - Application Programming/ Maintenance
Banking / Financial Services / Broking
17 Dec 2021