By Chetan Bhore
MBA Student – Neville Wadia College, Pune
📧 bhorechetan202@gmail.com | 📞 8483891691
🌟 Starting the Journey
As an MBA intern, I began my journey at Home First Finance Company (HFFC) with great excitement. HFFC, a rising star in the affordable housing finance sector with over 15 years of experience, is not only backed by Wise Money but also has a solid presence in the stock market (₹1350+ per share as of now).
I chose HFFC because it is not just another housing finance company — it provides a complete learning experience. Unlike other companies where Relationship Managers (RMs) handle limited roles, HFFC’s RMs manage everything from business development to customer verification, credit analysis, sanctioning, and even collections. Yes, it’s hectic — but for an MBA intern like me, it’s gold.
🗓 Week 1: A Nervous Start (1st June – 10th June)
The first three days were filled with nervousness and confusion. I had no idea what terms like “credit analysis,” “connector,” or “APF” meant. I struggled to understand collections and field work.
But then came a turning point — my Branch Manager. He is undoubtedly one of the most impressive leaders I’ve met in 2025 — supportive, strict, and a brilliant communicator. He didn’t act like a boss, but a mentor and guide. Within 4–5 training sessions, I cleared over 50 concepts and was ready to hit the ground running.
🛠 Week 2: The Field Begins (10th – 20th June)
This phase was a real challenge. Our daily schedule began with a 10 AM briefing, followed by field visits to affordable localities in Pune like Saswad, Moshi, Talegaon, Charoli, and Wagholi. We approached real estate sales teams, built networks, and pitched HFFC’s unique offerings:
✅ Home loans without ITR or salary slip
✅ 90% funding based on total family income
✅ Digital process & doorstep service
✅ Dedicated RM for every customer
But it wasn’t easy. I traveled 60–70 km daily, worked in heat and rain, ate outside food, and fell sick. Anxiety hit me hard. Real estate agents ignored me, and I started questioning myself. But my manager stood by me, constantly motivating and guiding me. My seniors were also very helpful.
🔁 Week 3: Breakthrough & Confidence (20th – 30th June)
This final phase was the most positive and rewarding. I stopped random visits and started focusing deeply on Moshi and Saswad. Repeated visits (4–5 times) to the same sites helped me build trust and relationships.
✅ 7 quality leads generated
✅ 3 leads converted
✅ Visited 50–60 sites
✅ Communication skills improved 10X
✅ Learned the value of follow-up
One line from my manager changed my entire perspective:
“Chetan, you are working in sales — you need to be fucking shameless and fearless.”
That hit me hard — and it worked.
🤝 Building Networks & Future Plans
I also built excellent relationships with:
RMs from Piramal, Awas, HDFC, IIFL, Federal, etc.
Sales heads of over 20 real estate developers
5–6 senior HFFC team members
I even handed over two leads to my friend in Piramal when the customer didn’t fit HFFC’s profile. These industry relationships have reduced my post-MBA job anxiety drastically.
📲 My Digital Marketing Move
Parallel to my internship, I launched an Instagram and Facebook channel to promote myself as a future RM. I advertised:
📌 Home loans without salary slips
📌 Loans for resale properties
📌 Loans based on joint family income
📌 Doorstep services
It’s a small step toward my goal of becoming a leading Relationship Manager and industry leader in housing finance.
🙏 Conclusion
In just 30 days, I transformed from a nervous intern to a confident and passionate RM-in-the-making. I learned things no MBA classroom can teach. I’m grateful to HFFC, my manager, my team, and all the real estate partners who helped me grow.
This internship has made me fearless, focused, and future-ready. july month still pending targeting 3 disbursal also want to learn about collection process and deep understanding of credit analysis of customers .
📩 Let’s connect:
Email: bhorechetan202@gmail.com
Phone: 8483891691
Instagram: @homeloanfriend