IRM-Analyst Ratings and Risk Notings

Hdfc Bank; Mumbai; Sur place; INR 900 000 - 1 500 000; Plein temps

Résumé du poste

HDFC Bank in Mumbai, Gurgaon, Chennai or Pune seeks an Analyst Ratings & Risk Notings to assess borrower credit quality, assign ratings, and track performance. You will provide independent risk views, develop sector research, analyze portfolios, and work with stakeholders to support risk decisions.

You will also present outcomes to management and contribute to ongoing surveillance of the credit book, ensuring adherence to internal policies and frameworks.

Qualifications

• CA, CFA or MBA from a Tier 1 institute.
• 2-4 years experience in ratings, credit underwriting or policy roles.
• Experience in mid/large corporate segments.
• Knowledge of rating agencies, banks, NBFCs, research houses, or KPOs.

Responsabilités

• Analyze company performance and credit proposals.
• Assess business model and identify risks.
• Handle varied rating assignments and prepare rationales.
• Assign ratings per internal scale.
• Monitor ratings and review new developments.
• Surveil ratings and follow up on feedback.
• Analyze key credit decision aspects and suggest covenants.
• Analyze assigned industry/sector.
• Read industry reports and attend webinars.
• Prepare industry/portfolio newsletters and respond to audit observations.

Connaissances

Analytical skills

Interpersonal / Communication skills

Handling large volumes

Banking products understanding

Formation

CA, CFA or MBA from Tier 1 institute

Outils

Excel

Description du poste

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