This is a perfect opportunity for Chartered Accountants (CA) looking for a full-time private job as a Credit Appraiser in Pune, Maharashtra. This latest opening at HDFC is ideal for experienced professionals with 1-5 years of experience in retail lending and credit assessment.
Job Summary
HDFC Ltd. is hiring a qualified Chartered Accountant for the role of Credit Appraiser in their Retail Lending team in Pune. This is a critical position where you will be responsible for evaluating loan applications from individual customers, including both salaried and self-employed individuals. Your primary task is to carefully analyze the financial health of these applicants to determine if they are a good credit risk for the company.
This role is not just about numbers; it involves direct interaction with customers. You will conduct personal discussions, perform on-site business visits to verify information, and ultimately make recommendations to the loan approval team. It is a perfect fit for a CA who is analytical, detail-oriented, and has excellent communication skills.
Key Responsibilities
- Assess the financial applications of both self-employed and salaried customers to determine their ability to repay a loan.
- Conduct personal discussions and meetings with applicants to better understand their financial situation.
- Perform on-site business visits to verify the information provided by the customer.
- Collect and carefully verify all necessary financial documents and proofs.
- Prepare detailed appraisal notes and recommend loan proposals for approval to the sanctioning authority.
- Contribute to business growth by identifying and developing ways to source new loan applications.
Required Qualifications and Skills
- Education Requirement: Must be a qualified Chartered Accountant (CA).
- Experience Requirement: 1 to 5 years of relevant experience in credit appraisal, retail lending, or a similar financial analysis role.
- Key Skills:
- Excellent oral and written communication skills.
- Strong analytical abilities and a process-oriented mindset.
- A customer-focused approach with high levels of integrity.
- Good time management, convincing skills, and the ability to work well in a team.
- A proactive and high-energy attitude to achieve results.
Frequently Asked Questions (FAQ)
Q1: What is the main function of this role?
A1: The main function is to assess the creditworthiness of retail loan applicants by analyzing their financial data, conducting meetings, and making approval recommendations.
Q2: Who is the hiring organization?
A2: The hiring organization is HDFC Ltd.
Q3: Is a CA qualification mandatory?
A3: Yes, this position is specifically for qualified Chartered Accountants.
Q4: Where is the job located?
A4: This is a full-time, on-site role based in Pune, Maharashtra.
Q5: Does this job involve fieldwork?
A5: Yes, the role requires meeting customers and conducting business visits as part of the appraisal process.
📌 Official Employer Website: https://www.hdfc.com
📄 Official Notification / Apply Link: https://www.hdfc.com/apply-now?position=93377