Job Name – Analyst Ratings and Risk Notings Job Purpose
• Deliver independent assessment on the credit quality of a borrower to indicate the level of risk associated with the borrower by assigning ratings as per Bank’s internal rating model.
• Proactive rating surveillance on the basis of available information by tracking news, reports both internal and external and quarterly performance of companies within the portfolio
• Providing independent risk view and recommendations on credit exposures in Wholesale segment above defined threshold. Specialization expected in 2-3 mainstream sectors.
• Develop inhouse research on core sectors, analyze internal reports and portfolio within the Bank in these sectors
• Ability to work with multiple stakeholders and should be a self-starter. Job Responsibilities(JR) : 6 – 8 Areas Actionable (4-6)
• Assign Ratings independently
• Comprehensive and independent analysis of companies’ performance in assigned portfolio by assessing credit proposals, financial statements, projections and other information to assess the credit worthiness of an entity
• Analyzing the business model of the entity, identifying its strengths and weakness, evaluating risks and taking note of the available mitigants. Ability to deep dive into complex holding structures, assess revenue model and cost structure is critical
• Independently handle rating assignments for entities of varying sizes and prepare rating rationales
• Perform industry and peer group analysis
• Ability to articulate the rationale internally within the bank to various stakeholders
• Surveillance of ratings
• Undertake surveillance of ratings in the assigned portfolio
• Review of ratings basis any new developments in the company/industry
• Monitor the ratings through multiple surveillance frameworks in place.




• Ensure that latest available information is factored in the ratings basis its relevance, including but not limited to internal framework triggers, EWS triggers etc
• Risk noting
• Indepth analysis on the key aspects crucial for credit decisioning to be brought out effectively through risk notes. The notes should cover key risk factors and mitigants, sector outlook, concentration risk, structure risk, transaction risk, policy deviations and suggest appropriate covenants through the risk notes.
• Industry Analysis
• Analysis of industry/sector assigned
• Read through industry reports by various agencies
• Attend webinars and seminars pertaining to the industry to keep abreast of the latest updates and trends in various industries.
• Industry presentations evaluating sector performance and rating movement at a portfolio level
• Presentations
• Review the feedback and monitor the timely rating action to be taken, if required.
• Presentation to senior management on the outcome, efficacy and the timeliness of rating actions
• Others
• Monitoring portfolio performance for stress indicators and highlight key risk factors to the credit team.
• Preparing newsletters on industry/portfolio for circulation internally
• Replies to audit observations
• Any other assignments depending on the needs of the organization
• Adherence to the bank policies Educational Qualifications Key Skills
• CA, CFA or MBA from a Tier 1 institutes
• Excellent analytical skills
• Strong Interpersonal / Communication skills
• Experience in handling large volumes and valuable in excel skills
• Good understanding of Banking products Experience Required
• Minimum experience in years – 3-6 years
• Experience in ratings, credit underwriting or policy related job role for Mid and Large Corporate segments in any Rating agency, Bank, NBFC’s, Research & brokerage houses or KPO’s.

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