Operations Manager

Roles and Responsibilities-
• Assess Credit worthiness and the ability of the customer to repay back the loan in future.
• Meeting & interacting with customers ,identifying the specific needs of the customer and suggesting optimal solutions. It also includes managing objections of the customers.
• Collecting & Checking the Documents (Eg. credit , loan agreements, application form, guarantee forms, Legal consequences)
• Entire sequence of steps, from the time a loan application is received (or a loan offer is accepted) to the time loan is closed, the loan proceeds are disbursed.

A. With customer - transaction oriented/relationship oriented to generate more business

B. Managing relations within the organization / with the channel partners
• Cross-Selling of HDFC Group company products eg. HDFC SLIC / HDFC ERGO
• Enhancing business from existing corporates, establishing new arrangements with corporates / developers for generating business for HDFC Ltd.

Skills-
• Understand the customer's requirements or problems completely & respond quickly to the needs of both external & internal customers
• Excellent Oral & Written Communication / Providing Information to customers / Internal communication for co-ordination with departments and channels
• Work as a team and contribute as a team , not only focus on individual brilliance / Help colleagues in achieving the team targets
• Aggressiveness/Adaptability/Flexibility/Competitive Spirit vis-à-vis ethics
• Adhere strictly to standard operating procedures. Awareness of the end to end process and the role that he plays as a part of the process that impacts the customer / TAT / Responsibility for process improvement
• Probing to understand customer's need , managing objections, Structuring solutions , closing.
• TAT/ Punctuality/ Time taken with the customer /Prioritizing / Multitasking
• Personal traits like integrity & sincerity has to be of exceptionally high
• In-depth knowledge about the various geographic locations/landmarks and the ability to understand the real estate scenario in the city.
• Fluency in the local language will be an added advantage