IRM-Risk Analyst-Retail Credit Risk

HDFC Bank Limited; Mumbai; Remote; INR 600,000 - 900,000; Full time

Job summary

HDFC Bank Limited is seeking a Risk Analyst - Retail Credit Risk to join the Integrated Risk Management unit. You will support portfolio risk assessment, monitoring and governance, and contribute to risk dashboards and data frameworks.

Responsibilities include data extraction, validation, and timely risk reporting across portfolios; ensuring governance, KRI tracking, ICAAP/RA S monitoring, and collaboration with Compliance, Audit, and business stakeholders.

Qualifications

• Chartered Accountant/CFA/MBA (Finance) or FRM qualifications
• Equivalent to above
• MBA/Finance focused qualifications are preferred
• Experience in risk management frameworks is advantageous

Responsibilities

• Creating and maintaining required data points for facilitating all risk management aspects.
• Timely extraction/creation of required portfolio database.
• Ensuring data accuracy and validation.
• Risk Identification, measurement on time, reporting of risk observations, ensuring governance framework adherence.
• Periodic reviews of assigned portfolio across various pertinent risk dimensions.
• Conducting reviews as per set guidelines on defined frequency, driving actionable across stakeholders.
• Maintaining risk oversight, monitoring KRIs covered in ICAAP / RAS, and Risk Limits package.
• Ensuring adherence to CSPB materiality evaluation and collections performance tracking.
• RAS, ICAAP monitoring, with timelines adherence & impact monitoring.
• Tracking collection parameters/KRI to monitor risk appetite & cost.
• Compliance & audit adherence.
• Engaging with compliance & audit teams for relevant discussions and detailing.

Skills

Data analysis

Credit risk dashboards

MS Office

Power BI

Python

Communication skills

Education

Chartered Accountant

CFA

MBA (Finance)

FRM

Equivalent to above

Tools

Power BI

Python

MS Excel

Job description

Job Title:

Risk Analyst - Retail Credit Risk

Job Details:

Business Unit: Integrated Risk Management

Team: Retail Credit Risk Management

Reports to: Team Lead - Retail Credit Risk / Vertical Head - Retail Credit Risk

Location: PAN India

Role Type: Individual Contributor

Travel Required: Yes

Job Band Range: E3 / E4

JD Created date: 22/08/2025

JD Updated date: 20-11-25

Job Purpose:

Portfolio Risk Assessment, Monitoring & Governance

Creating and using various assessment and awareness tools including portfolio reviews, product program reviews, framework monitoring etc. to maintain portfolio health.

Job Responsibilitie s:

• Creating and maintaining required data points for facilitating all risk management aspects.


• Timely extraction/creation of required portfolio database.


• Ensuring data accuracy and validation.


• Risk Identification, measurement on time, reporting of risk observations, ensuring governance framework adherence.


• Periodic reviews of assigned portfolio across various pertinent risk dimensions.


• Conducting reviews as per set guidelines on defined frequency, driving actionable across stakeholders.


• Maintaining risk oversight, monitoring KRI`s covered in ICAAP / RAS, and Risk Limits package.


• Ensuring adherence to CSPB materiality evaluation and collections performance tracking.


• RAS, ICAAP monitoring, with timelines adherence & impact monitoring.


• Tracking collection parameters/KRI to monitor risk appetite & cost.


• Compliance & audit adherence.


• Engaging with compliance & audit teams for relevant discussions and detailing.

Educational Qualifications:

• Chartered Accountant


• CFA


• MBA (Finance)


• FRM


• Equivalent to above

Key Skills:

• Technical skill sets to churn large volumes of data.


• Ability to conceptualize, implement, interpret & present credit risk dashboards.


• Communication, articulation, and presentation skills.


• Proficient operating knowledge of MS Office Suite (Pref. Power BI and Python).

Experience Required:

Minimum Banking/Finance experience: 0-5 years

Major Stakeholders:

• Product / Business


• RCSC


• Retail Portfolio Management (collections)


• CIC


• Compliance


• Internal Audit


• Other sub-Units of larger Internal Risk Management Team

Required Skills

Refer to the Job Description