Risk Analyst-Credit Mid Office

Hdfc Bank; Mumbai; On-site; INR 900,000 - 1,500,000; Full time

Job summary

HDFC Bank Limited is seeking a Risk Analyst - Credit Mid Office in Mumbai to calculate, monitor, and report portfolio-level credit risk triggers. The role involves analyzing data for risk dashboards and providing insights for regulatory and board-level reporting.

You will ensure data accuracy, automate data extraction, and support audit evidence. Strong analytics and collaboration with risk teams are essential.

Qualifications

• Postgraduate/MBA/PGDM in finance domain.
• Proficient in R, SAS, SQL, Python.
• Strong analytical and communication skills.

Responsibilities

• Calculate, monitor, and report credit risk triggers for portfolio risk.
• Analyze data for dashboards and analyses used for decisions.
• Ensure accuracy of data and obtain required sign-offs.
• Automate data extraction and dashboard creation where possible.
• Maintain data repositories and evidence for audits.
• Present data trends and inferences to stakeholders.

Skills

Analytical skills

Communication skills

MS Excel

PowerPoint

Tableau

Data interpretation

Education

Postgraduate/MBA/PGDM in finance domain

Tools

R

SAS

SQL

Python

Job description

Job Title

Risk Analyst - Credit Mid Office

Business Unit

Integrated Risk Management

Reporting To

Supervisor - Credit Mid Office

Job Function and Role Type

Risk, Individual Contributor

Job Purpose

Calculate, monitor, and report portfolio-level credit risk triggers. Analyze and present data for portfolio risk dashboards and other analyses.

Key Responsibilities

Actionable (JR):

Calculate, monitor, and report regulatory and board-level credit risk triggers; Ensure accuracy of data used for calculations and obtain required sign-offs; Maintain data repositories and evidence for audit purposes; Automate data extraction and dashboard creation wherever possible.

Triggers, such as RAS limits, Product Portfolio ENR limits etc

Monitor and report internal limits such as ICAAP; Report existing and impending limit breaches to relevant units or authorities; Departments Or Authorities, As May Be Defined From Time To Time; Fetch required data from appropriate source systems; Ensure data accuracy and validation through maker-checker processes.

departments or authorities, as may me defined from time to time

calculation of values against the limits set

Perform calculations against set limits and validate results; Provide primary inferences from data trends and analyses.

authorities (wherever applicable) for the same. Ensuring maker-checker validation on the data being used and accuracy of calculation

Maintain accountability evidence through maker-checker validation; Produce accurate calculations for internal and regulatory audits.

produced for internal/ regulatory audit purpose. Maintaining evidence of maker-checker

application for identification of accountability

Automate data collation and streamline processes for accountability; Develop dashboards and visualizations for final output presentations; Dashboards Wherever Possible; Create dashboards and visualizations using tools like Tableau and PowerPoint; Present data trends and analyses in clear, actionable formats.

dashboards wherever possible.

for presentation of final output. Educational Qualifications

Education:

Postgraduate/MBA/PGDM in finance domain.

Certifications:

Proficient in R, SAS, SQL, Python.

Key Competencies

Analytical skills, communication skills, proficiency in MS Excel and PowerPoint, knowledge of banking products, expertise in analytical tools.

Major Stakeholders

Coordinate with Portfolio Risk Review, IT and Analytics, Credit Strategy and Control, Collections, Business Units, and RAS & ICAAP teams.

Required Skills

Refer to the Job Description