IRM-Analyst Ratings and Risk Notings

Hdfc Bank; Dadri; On-site; INR 1,200,000 - 2,400,000; Full time

Job summary

HDFC Bank is seeking an Analyst for Ratings & Risk Notings in Integrated Risk Management. The role focuses on assessing borrower credit quality and assigning ratings, while tracking performance and providing independent risk views.

You will develop sector research and analyze portfolios to support stakeholders and present outcomes to management. Reporting to Ratings Team Leader, the position offers Mumbai, Gurgaon, Chennai, or Pune as location options.

Qualifications

• CA/CFA/MBA from Tier 1 institute.
• 2-4 years experience in ratings/credit underwriting.
• Experience with mid/large corporate segments.
• Exposure to rating agencies, banks, NBFCs, research houses, KPOs.

Responsibilities

• Analyze company performance and credit proposals.
• Assess business models and identify risks.
• Handle varied rating assignments and prepare rationales.
• Assign ratings per internal scale.
• Surveil ratings and review new developments.
• Monitor ratings via frameworks.
• Analyze key credit decision aspects and suggest covenants.
• Read industry reports and attend webinars.
• Present outcomes to management.
• Monitor portfolio stress and recommend actions.
• Prepare industry/portfolio newsletters.
• Reply to audit observations.
• Adhere to policies.

Skills

Analytical skills

Interpersonal communication

Excel

Banking products

Education

CA/CFA/MBA from Tier 1 Institute

Job description

Job Title

Analyst Ratings & Risk Notings

Job Details

• Job Unit: Integrated Risk Management
• Team: WCR Ratings & Risk Noting
• Reports to: Ratings Team Leader
• Location: Mumbai / Gurgaon / Chennai/Pune
• Function: Wholesale Credit Risk Management
• Role Type: Individual Contributor
• Direct Reports: Nil
• Travel: No
• Band Range: E3 - D2
• Created: 13.03.2020
• Updated: 14.02.2025
• Version: 2.0

Job Purpose

• Assess borrower credit quality, assign ratings
• Track performance, update ratings
• Provide independent risk views, recommendations
• Develop sector research, analyze portfolio
• Work with stakeholders, self-starter

Job Responsibilities

• Analyze company performance, credit proposals
• Assess business model, identify risks
• Handle varied rating assignments, prepare rationales
• Assign ratings per internal scale
• Surveil ratings, review new developments
• Monitor ratings via frameworks
• Analyze key credit decision aspects, suggest covenants
• Analyze assigned industry/sector
• Read industry reports, attend webinars
• Manage surveillance framework, follow up feedback
• Present outcomes to management
• Monitor portfolio stress, recommend actions
• Prepare industry/portfolio newsletters
• Reply to audit observations
• Adhere to policies

Educational Qualifications

CA, CFA or MBA from Tier 1 institute

Key Skills

• Analytical skills
• Interpersonal / Communication skills
• Handle large volumes, excel skills
• Banking products understanding

Experience Required

• 2-4 years experience
• Ratings, credit underwriting, policy roles
• Mid/Large Corporate segments
• Rating agencies, Banks, NBFCs, Research houses, KPOs

Major Stakeholders

• Business Teams
• Credit Approvers
• Basel Team
• Audit Team
• EWS team
• CAD/Operations

Required Skills

Refer to the Job Description