Website:
hdfc.bank.in
Job details:
Credit Intelligence & Control (CIC) – Job Description
🔹 Core Purpose
To monitor, analyze, and control credit risk by ensuring that all lending activities follow internal policies, regulatory guidelines, and fraud prevention mechanisms.
🔹 Key Responsibilities
1. Credit Monitoring & Risk Control
Track loan portfolios and identify early warning signs (EWS)
Monitor overdue accounts, irregular transactions, and suspicious patterns
Ensure compliance with internal credit policies
2. Fraud Detection & Prevention
Identify potential fraud cases in loan applications or disbursements
Investigate discrepancies in customer profiles, documents, or transactions
Coordinate with fraud risk teams for escalations
3. Portfolio Analysis
Analyze credit data to assess portfolio health
Prepare MIS reports and dashboards for senior management
Highlight risk trends and suggest corrective actions
4. Process & Policy Compliance
Ensure adherence to RBI guidelines and internal SOPs
Conduct audits and checks on credit processes
Identify gaps and recommend improvements
5. Coordination & Stakeholder Management
Work closely with credit, sales, operations, and collections teams
Support decision-making with data insights
Handle escalations and queries related to credit risk
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