Job Title

Risk Analyst - Credit Mid Office

Business Unit

Integrated Risk Management

Reporting To

Supervisor - Credit Mid Office

Job Function and Role Type

Risk, Individual Contributor

Version No

Job Purpose

Calculate, monitor, and report portfolio-level credit risk triggers. Analyze and present data for portfolio risk dashboards and other analyses.

Key Responsibilities

Actionable (JR):

Calculate, monitor, and report regulatory and board-level credit risk triggers; Ensure accuracy of data used for calculations and obtain required sign-offs; Maintain data repositories and evidence for audit purposes; Automate data extraction and dashboard creation wherever possible.

Triggers, such as RAS limits, Product Portfolio ENR limits etc

Monitor and report internal limits such as ICAAP; Report existing and impending limit breaches to relevant units or authorities; Departments Or Authorities, As May Be Defined From Time To Time; Fetch required data from appropriate source systems; Ensure data accuracy and validation through maker-checker processes.

departments or authorities, as may me defined from time to time calculation of values against the limits set

Perform calculations against set limits and validate results; Provide primary inferences from data trends and analyses.

authorities (wherever applicable) for the same. Ensuring maker-checker validation on the data being used and accuracy of calculation

Maintain accountability evidence through maker-checker validation; Produce accurate calculations for internal and regulatory audits.

produced for internal/ regulatory audit purpose. Maintaining evidence of maker-checker application for identification of accountability





Automate data collation and streamline processes for accountability; Develop dashboards and visualizations for final output presentations; Dashboards Wherever Possible; Create dashboards and visualizations using tools like Tableau and PowerPoint; Present data trends and analyses in explicit, actionable formats.

dashboards wherever possible.

for presentation of final output. Educational Qualifications

Education:

Postgraduate/MBA/PGDM in finance domain.

Certifications:

Proficient in R, SAS, SQL, Python.

Key Competencies

Analytical skills, communication skills, proficiency in MS Excel and PowerPoint, knowledge of banking products, expertise in analytical tools.

Major Stakeholders

Coordinate with Portfolio Risk Review, IT and Analytics, Credit Strategy and Control, Collections, Business Units, and RAS & ICAAP 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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📌 Risk Analyst-Credit Mid Office (Mumbai)
🏢 HDFC Bank
📍 Mumbai