🌟 Credit Relationship Manager at HDB Financial Services – Noida 🌟
📍 Location: Noida, Uttar Pradesh
🕒 Experience Required: 1 to 6 years
💼 Industry: NBFC (Non-Banking Financial Company)
📋 Employment Type: Full Time, Permanent
📈 Open Positions: 10
🏢 About HDB Financial Services
HDB Financial Services Ltd., a subsidiary of HDFC Bank, is one of India’s leading NBFCs, offering a diverse range of financial products and services. With a widespread network across the country, HDB aims to bridge the financial gap for individuals and businesses by providing personal loans, consumer durable loans, gold loans, and more. Recognized for its employee-friendly culture and rapid growth, HDB Financial Services is the perfect place to build a long-lasting career in the finance industry.
📍 Headquarters: HDB House, National Plastic Industries, Tukaram, Mumbai, Maharashtra
🌐 Official Website: HDB Financial Services
🧾 Job Summary – HDB Financial Services
We are seeking dynamic and driven professionals for the role of Credit Relationship Manager in our Noida branch. This is a critical role that requires analytical depth, strong interpersonal skills, and a sharp eye for credit underwriting. As a Credit Relationship Manager at HDB Financial Services, you’ll play a pivotal part in ensuring the creditworthiness of customers while maintaining portfolio quality.
🧠 Key Responsibilities – HDB Financial Services
🔍 Credit Appraisal & Underwriting
- Conduct comprehensive credit assessments of Cross Sell proposals.
- Ensure accurate credit underwriting to mitigate risks and optimize loan performance.
- Analyze customer profiles using internal systems and online databases for quick decision-making.
💼 Credit Risk Management
- Monitor credit quality metrics and enforce portfolio hygiene.
- Maintain low delinquency rates through rigorous post-disbursement verification and fraud detection.
- Implement risk control measures across all stages of the credit lifecycle.
📈 Portfolio Monitoring & Analysis
- Manage weekly/monthly MIS reports and performance trackers for credit operations.
- Track key performance indicators (KPIs) like Turnaround Time (TAT) and approval rates.
- Ensure data integrity and alignment with prescribed internal standards.
🧩 Operational Coordination
- Collaborate closely with business development teams to resolve credit-related queries.
- Share location-specific insights, best practices, and emerging credit trends to guide underwriting strategy.
- Assist in manpower planning and ensure smooth functioning of credit processes.
🎯 Desired Candidate Profile
🎓 Education
- UG: Any Graduate
- PG: Preferred (though not mandatory)
🏆 Experience
- Minimum 1 year to 6 years of relevant experience in credit underwriting, appraisal, or financial services.
- Strong command over credit policy, customer profiling, and risk assessment.
💡 Mandatory Skills
- Credit Underwriting
- Credit Appraisal
- Credit Processing
- Credit Risk Management
- Fraud Detection
- MIS Reporting
- Leadership & Team Coordination
🌟 Soft Skills
- Excellent interpersonal and leadership qualities
- Analytical thinking and a keen eye for detail
- Strong communication and ability to work under pressure
💸 Salary & Compensation
🔒 Salary Range: Not Disclosed by Employer
🎯 However, competitive pay is offered based on your:
- Years of experience
- Role-specific skillsets
- Education & professional certifications
- Past achievements and KPIs
💼 This role may include performance-based incentives, benefits, and long-term career growth opportunities within the HDB Financial Services ecosystem.
📍 Why Join HDB Financial Services?
🌐 Strong Brand Legacy
- A part of HDFC Group, known for trust, transparency, and growth.
🚀 Career Development
- Structured training and development programs tailored to your role.
- Opportunities to upskill and climb the corporate ladder quickly.
🤝 Inclusive Culture
- HDB promotes diversity, inclusion, and a team-oriented workplace.
- Encourages internal mobility and recognition of top performers.
🛠️ Cutting-edge Tools
- Access to industry-leading technology and analytics platforms for efficient work.
🎁 Benefits and Perks
Here’s a glimpse of what HDB offers to its valued team members:
- 📆 Paid Leaves: Annual, sick, and casual leave policies
- 🏥 Medical Insurance: Comprehensive coverage for employees and dependents
- 💰 Incentive Structures: Performance-linked bonus & variable pay
- 📚 Learning Support: Workshops, e-learning, and certification reimbursements
- 🚗 Travel Allowances: Based on field activity levels
- 🧘♀️ Wellness Programs: Mental health initiatives and lifestyle management
- 🏢 Office Culture: Collaborative work environment with team-building activities
🏙️ Location Details
📍 Office Location: Noida, Uttar Pradesh
🛣️ Easily accessible from public transport routes, metro, and nearby residential zones.
🏢 Modern office infrastructure with conference rooms, breakout areas, and tech-enabled workspaces.
📋 Application Process
How to Apply:
- Click on the Apply button.
- Submit your updated resume highlighting relevant credit and underwriting experience.
- Shortlisted candidates will be contacted for:
- Initial HR screening
- Technical interview round
- Final managerial discussion
🔁 Interviews may be conducted online or at our Noida branch, based on scheduling and availability.
🔗 Explore More Opportunities
📌 Visit Careers at HDBFS
📌 Explore Jobs on Naukri
📌 Follow HDB on LinkedIn
🧭 About the Hiring Team
Our Credit & Risk team is composed of professionals from diverse backgrounds — CA, MBA, Finance graduates — all working together to uphold HDB’s credit discipline and drive customer success. Join us to be a part of this high-impact team, where every decision contributes to the company’s growth and risk profile.
📝 Pro Tips for Applicants
- ✅ Highlight past experience in credit risk analysis or NBFC lending.
- ✅ Quantify achievements such as approval rates, loan volume, or turnaround time.
- ✅ Familiarity with tools like LMS, MIS systems, Excel dashboards is a plus.
- ✅ Showcase team management or leadership in previous roles.
📞 Contact HR
For more information or application support, you can contact the HR team at:
📧 Email: careers@hdbfs.com
📞 Phone: Provided upon application submission (for shortlisted candidates)
📌 Important Notes
- 🚫 We do not charge any fees at any stage of the recruitment process.
- 🔐 Your application details will be kept confidential and used solely for recruitment purposes.
📣 Final Thoughts
If you’re passionate about finance, keen on risk analysis, and eager to work in a fast-paced, results-driven environment — this Credit Relationship Manager role at HDB Financial Services in Noida is tailor-made for you. Apply today to become part of a team that is transforming India’s financial landscape!
📍 Act fast – with 443 applicants already, this opportunity won’t last long!
