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 wide-ranging 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

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