Analyst -Ratings and Risk Notings
HDFC Bank · Posted Oct 30
Commercial banking, retail banking, credit card, loan, and treasury services
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About the role
The role sits within HDFC Bank's ratings and risk notings function, delivering independent credit assessments and rating surveillance for wholesale borrowers. It involves analyzing financial statements, business models, industry reports and portfolio performance to support credit decisions and risk noting. The analyst will handle rating assignments, monitor risk triggers, and present rating actions to senior stakeholders.
What you will do
- 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
- 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
- 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.
- 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
- 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
- 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
Skills used in this role
What the employer is looking for
- CA, CFA or MBA from a Tier 1 institutes
- Excellent analytical skills
- Strong Interpersonal / Communication skills
- Experience in handling large volumes and good in excel skills
- Good understanding of Banking products
- 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.
Benefits and support
- Compensation and benefits are detailed in the job posting
About HDFC Bank
HDFC Bank Limited is an Indian banking and financial services company headquartered in Mumbai. It is India's largest private sector bank by assets and market capitalization, offering a wide range of financial products including retail banking, wholesale banking, and treasury operations.
- Industry
- Banking
- Company size
- 211535 employees
- Founded
- August 1994
- Location
- Mumbai, Maharashtra, India
- Funding stage
- Public Company
Leadership
Sashidhar Jagdishan
Managing Director and Chief Executive Officer
Srinivasan Vaidyanathan
Chief Financial Officer
Ramesh Lakshminarayanan
Chief Information Officer
Vibhash Naik
Chief Human Resources Officer
Recent coverage
The Hindu
Anup Bagchi takes charge as HDFC Bank CEO and MD2026-10-27
ET CFO
Anup Bagchi Appointed CEO of HDFC Bank Amid Challenges2026-10-27
Stock Titan
HDFC Bank Limited Filed Its Form 20-F for the Year Ended March 31, 20262026-07-29