Job Title

Analyst - Credit Portfolio Risk Analytics (CPRA)

Business Unit

Integrated Risk Management - Wholesale Credit Risk Management

Reporting To

Team Lead - Regulatory Reporting/Risk Estimation/Model Building/Portfolio Monitoring

Job Function and Role Type

Model Building, Regulatory Reporting, Risk Estimation, Portfolio Monitoring, EWS and Rating Ops – Individual Contributor, Moderate Travel

Version No

Job Purpose The primary responsibility is project implementation through modeling, risk estimation, portfolio monitoring, internal rating operations, and regulatory reporting. The role involves automation projects, liaising with cross-functional teams, and engaging with senior management.

Key Responsibilities

Work Areas

Develop statistical and judgmental models to capture credit risk and track performance; Estimate risk parameters such as PD, LGD, and CCF for risk management and reporting; Design risk dashboards, conduct industry analysis, and assess outlook; Develop early warning triggers and internal ratings MIS; Perform regulatory reporting as per Basel, IndAS, IFRS, and CECL guidelines; Conduct stress testing and present findings to senior management.

Education:

Post-graduate degree in Statistics, MBA, or Economics from a reputed institution with robust academic performance.

Certifications:

SAS, SQL, R.

Key Competencies

Quantitative risk management,



Basel and IFRS/IndAS/CECL knowledge, predictive credit risk modeling, multivariate statistics, interpersonal communication.

Major Stakeholders

Operations, Policy, Credit Underwriting, Finance, IT, Risk Analytics, Audit, Validation Teams.

Skills

Refer to the

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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📌 Analyst-CPRA-Retail (Gurugram)
🏢 HDFC Bank
📍 Gurugram