Job Title

Sr. Analyst - Bank Credit Risk

Business Unit

Market Risk

Reporting To

Section Head - Bank Credit Risk

Job Function and Role Type

Assessment of Banks for defining Limits/Exposures, Individual Contributor

Version No

1

Job Purpose

Assess banks across geographies to define limits and exposures. Ensure compliance with regulatory thresholds and expand bank coverage.

Key Responsibilities

Carry out key financial analysis and credit appraisal of counterparty banks

Review balance sheets and financials to determine feasible exposures; Define appetite and allocate limits for various facilities; Monitor quarterly results, key ratios, and liquidity conditions.

Track movements in external ratings along with macro-economics and banking sector news

Monitor rating actions and assess their impact on banks; Analyze macroeconomic conditions and banking sector developments; Present assessments to the supervisor.

Initiate internal ratings of domestic and foreign banks

Review financials and management to assess internal ratings; Propose ratings for review and approval; Enhance internal rating models as required.

Stay abreast with regulatory changes for banks in various geographies

Track regulatory changes and their impact on bank exposures; Align frameworks with evolving regulations and submit updates.

Address business queries on bank limits and transaction requests





Engage with business units to understand limit requirements; Clarify restrictions and conditions for releasing limits; Banks In-Case Of Exigencies Or Adverse Developments; Evaluate emerging developments and review limit frameworks; Suggest modifications and coordinate with business units for revisions.

Present the assessment to Supervisor

Banks in-case of exigencies or adverse

Education:

MBA/Post Graduate Diploma from premier institutions, CA, or CFA.

Certifications:

CA, CFA, MBA.

Key Competencies

Credit assessment, regulatory compliance, financial analysis, risk management, stakeholder collaboration.

Major Stakeholders

Internal: CAD, TMO, Credit, and Credit Risk; External: Rating agencies, information providers like S&P; Capital IQ and Moody's Analytics.

Skills

Refer to the Job Description

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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📌 Sr.Analyst-Bank Credit Risk (Mumbai)
🏢 HDFC Bank
📍 Mumbai