Careers at HDFC

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At the heart of HDFC are people who run this organization. It is our endeavor to develop our people continuously by focusing on their career development by providing them adequate training in a positive work environment. With great pride, we are happy to state that HDFC has a highly motivated team of professionals and the lowest employee turnover rate in the industry.

If you are a young, talented individual with a personal value system who enjoys challenges, has a passion to excel and can fit into our organizational culture, you could be a part of the growth journey at HDFC.

Why HDFC?

Premier Housing Finance Institution in the country

A consistent high growth rate over the past 41 years that has provided ample learning opportunities to young professionals to grow with the company

Open and informal culture where we value integrity, commitment, teamwork and excellence in customer service.

A ‘Learning by Doing’ philosophy which encourages decision making as well as skill building. A focus on ‘long term creation of wealth’ of our employees.

Current Vacancies

Current Vacancies

14 Results
KOTTAYAM
Technical Appraiser- Kottayam/Muvattupuzha
Required Experience: 2+ years experience will be an added advantage
Education: B Tech /BE (Civil Engg)  

Job Description

Technical

1.    Appraisal - Assessing Market Value of properties offered as security for Loan - Land & Building. 
2.    Site Visits -Visiting Properties to assess valuation and progress of work.
3.    Documentation -Verification of documents like Building approvals, Plans, Estimates etc, to ensure compliance with applicable building rules and other applicable regulations.
4.    Recording of Site observations and recommending loan amount based on assessment made based on documents and site observations.
5.    Relationship Management -With customer with the channel partners.
6.    Qualifications - Fresh/experienced B Tech /BE (Civil Engg)    having good and consistent academic record (Min 60% marks) and good communication skills in English and Malayalam.
7.   Location –  Kottayam/Muvattupuzha

Desired Candidate Profile

Kochi
Operations (Credit processing)
Required Experience: 2+ years experience will be an added advantage
Education: Graduates,  M Com, CA or MBA

Job Description

Operations (Credit processing)

1.    Appraisal - To create a quality portfolio my managing risk through effective credit appraisal, maintaining TAT, maintaining a healthy relationship with channel partners and being a process thinker and innovator. 
2.    Collecting & Checking the Documents (Eg. credit, loan agreements, application form, guarantee forms) (Legal consequences).
3.    Interacting with customers on phone. It also includes managing objections of the customers. Meeting customers and doing personal discussion. Suggesting optimal solutions to customers needs.
4.    Negotiating Skills - Probing to understand customer's need, managing objections, and Structuring solutions, closing.
Qualifications - Fresh/experienced B Com Graduates,  M Com, CA or MBA  having good and consistent academic record (Min 60% marks) and good communication skills in English and Malayalam.

Location - Kochi

Desired Candidate Profile

KANNUR
Business Development - Calicut/Kannur
Required Experience: 2+ years experience will be an added advantage
Education: Graduates/Post Graduates or MBA

Job Description

Business Development

1.    Managing business relations with developers, development authorities, Corporates.
2.    Promoting the products through tie-ups & events with the above entities.
3.    Analyse markets, recommend business strategies.
4.    Support sales force through business source mapping. 
5.    Motivate the sales force through training & contests. 
6.    Coordinate call centre & web based activities.
7.    Qualifications - Fresh/experienced Graduates/Post Graduates or MBA  having good and consistent academic record (Min 60% marks) and good communication skills in English and Malayalam.
8.    Location –  Calicut/Kannur.

Desired Candidate Profile

TRICHUR
Operations (Front office) - Trichur/Calicut
Required Experience: 2+ years experience will be an added advantage
Education: Graduates/Post Graduates or MBA

Job Description

Operations (Front office)
1.    Appraisal - Assess Credit worthiness and the ability of the customer to repay back the loan in future. 
2.    Interaction & Loan Counselling -Meeting & interacting with customers.
3.    Documentation -Collecting & Checking the Documents.
4.    Loan Processing/ Disbursement Process.
5.    Cross-Selling -Cross-Selling of Group company products.
6.    Relationship Management -With customer with the channel partners.
Qualifications - Fresh/experienced Graduates/Post Graduates or MBA  having good and consistent academic record (Min 60% marks) and good communication skills in English and Malayalam.
Location -  Trichur/Calicut 

Desired Candidate Profile

MARTHANDAM
Technical Appraiser- Marthandam, Tamilnadu
Required Experience: 2+ years experience will be an added advantage
Education: B.Tech/M. Tech- Civil

Job Description

Job Responsibilities

    Technical Evaluation/estimation of properties.
    Verifications of various technical/revenue documents to arrive at property valuation.
    Meeting customers and doing personal discussion
    Willing to Travel Extensively 
    Good communication skills, presentations skills in English and Malayalam.
    Support sales force through business source mapping & source wise performance measurement.
    Work as a team and contribute as a team, not only focus on individual brilliance.
    Aggressiveness/Adaptability/Flexibility/Competitive Spirit vis-à-vis ethics

Location:                 Marthandam, Tamilnadu
Qualification:        B.Tech/M. Tech- Civil
Remarks:                 2+ years experience will be an added advantage.

Desired Candidate Profile

Mumbai
Manager Audit & Regulatory Compliance – Credit Risk
Required Experience: 10 to 15 years
Education: Chartered Accountant  

Job Description

Profile for Manager Audit & Regulatory Compliance – Credit Risk

Qualifications: Chartered Accountant  

Work Experience: 10 to 15 years of experience working in the Credit Risk function of any Financial Institution/Bank handling ECL related matters under IFRS 9, regulatory reporting to NHB/RBI and handling statutory auditors / regulators.

Job Description:

  • Assisting in developing models and tools to estimate collectability, loan loss and loss given Defaults under Indian Accounting Standards (IndAS)
  • Handling assignments in computation of NPA/ provisioning and in regulatory reporting.
  • Interpretation of RBI/NHB circulars & working on regulatory reports.
  • Co-ordinating with IT team for system automation by developing modules for computation of Expected credit loss, loss given default and Probability of default as per Indian Accounting Standard 109
  • Co-ordinating within internal departments and Internal auditors for various Internal controls and testing audit.

Location: Mumbai

Desired Candidate Profile

Pune
CREDIT APPRAISER-CA-RETAIL LENDING ,PUNE
Required Experience: 1-5
Education: CA

Job Description

- Assess credit worthiness of the self employed / salaried customers.
- Customer interaction vis a vis loan appraisal and loan servicing requirements.
- Meeting customers and doing personal discussion. Suggesting optimal solutions to customers needs.
- Business visit and Verification.
- Collection and verification of documents.
- Recommending the proposal for approval.
- Planning and execution of ways to source new and incremental business.

Desired Candidate Profile

The above position requires high energy levels, integrity, customer orientation, excellent communication skills (oral and written), convincing skills, process orientation, time management, team working skills and a    strong determination to achieve results.

PATNA
CREDIT APPRAISAL-RETAIL LENDING-PATNA
Required Experience: 7-8
Education: CA

Job Description

Assess credit worthiness of the employed customers
Customer interaction on phone vis a vis loan appraisal and loan servicing requirements
Perusal & Analysis of Credit Documents
Recommending the loan for approval
Coordination with channel partners
Inter-departmental coordination.

Desired Candidate Profile

The above position requires high energy levels, integrity, customer orientation, excellent communication skills (oral and written), convincing skills, process orientation, time management, team working skills and a strong determination to achieve results.

Delhi
LEGAL APPRAISER- DELHI
Required Experience: 2-4
Education: LL.B

Job Description

Job Description - - Appraisal of Project Files (with updated knowledge on Property Laws), Appraisal of title documents relating to Individual loans. - Providing legal advice on retail lending issues with respect to Property, Security Creation, and Title Verification. - Handling compliance issues. Drafting and structuring of various lending arrangements with builders. - Drafting of Retail Loan Agreements and replies for Legal Notices. The job profile also includes- - Cerifications of legal documents related to property under mortgage, vetting of reports issued by the third party advocates, perusing and opining on title of the property owner;/Reviewing and verifying of legal documents and advising clients of their rights on acquiring residential and commercial properties under the property law and other related law of the land - Ensuring compliances of the organization under local and central laws, Drafting of agreements like leave and license agreements/contract staffing agreements/service agreements, undertakings, declarations, affidavits, trust and security indemnity bonds, mortgage deeds, re conveyance deeds, letter of guarantee etc; Drafting replies to legal notices and complains received from clients, statutory bodies etc on behalf of the organization;

Desired Candidate Profile

Desired candidate profile- - Working Knowledge of topics related to various provisions of Transfer of Property Act, Indian Companies Act, SARFAESI Act, Indian Registration Act, Indian Stamps Act, RERA Act and other applicable local laws; The candidate must have relevant knowledge on Property Laws, Business Laws, Corporate laws and ability in drafting various legal documents. The candidate must possess excellent command over English (spoken and written) and should be able to read in the local language (Tamil).The candidate should have the ability to explain and guide a layman on legal documents required for property transactions with considerable patience and empathy and ensure that his/her legal knowledge promotes the growth of business. We require candidates who are self-motivated, having strong interpersonal / team working skills and a deep sense of commitment to customer service.