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 diverse 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

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