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 recent 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

About HDFC Bank

HDFC Bank is one of India’s leading private banks. The Housing Development Finance Corporation Limited or HDFC Ltd was among the first financial institutions in India to receive an “in principle” approval from the Reserve Bank of India (RBI) to set up a bank in the private sector. This was done as part of RBI’s policy for liberalization of the Indian banking industry in 1994. HDFC Bank was incorporated in August 1994 in the name of HDFC Bank Limited, with its registered office in Mumbai, India. The bank commenced operations as a Scheduled Commercial Bank in January 1995. As of March 31, 2026, the Bank’s distribution network was at 9,689 branches and 21,172 ATMs across 4,175 cities / towns as against 9,455 branches and 21,139 ATMs across 4,150 cities / towns as of March 31, 2025. 50% of the branches are in semi-urban and rural areas. In addition, the Bank has 14,400 business correspondents, which are primarily manned by Common Service Centres (CSC). The Bank’s international operations comprise five branch

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📌 IRM-Analyst Ratings and Risk Notings (Mumbai)
🏢 HDFC Bank
📍 Mumbai