IRM-Risk Analyst-Retail Credit Risk

HDFC Bank
Department Icon BFSI (Credit & Risk)
Posted: 4 days ago
0-1 years
Mumbai
BFSI (Credit & Risk)
work from office
Full Time
Closes 21 Dec 2026
Posted: 4 days ago
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Job Description
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Job Description

  • Job Title:
  • Risk Analyst - Retail Credit Risk
  • Job Details:
  • Business Unit: Integrated Risk Management
  • Team: Retail Credit Risk Management
  • Reports to: Team Lead - Retail Credit Risk / Vertical Head - Retail Credit Risk
  • Location: PAN India
  • Role Type: Individual Contributor
  • Travel Required: Yes
  • Job Band Range: E3 / E4
  • JD Created date: 22/08/2025
  • JD Updated date: 20-11-25
  • Job Purpose:
  • Portfolio Risk Assessment, Monitoring & Governance
  • Creating and using various assessment and awareness tools including portfolio reviews, product program reviews, framework monitoring etc. to maintain portfolio health.
  • Job Responsibilities:
  • Creating and maintaining required data points for facilitating all risk management aspects.
  • Timely extraction/creation of required portfolio database.
  • Ensuring data accuracy and validation.
  • Risk Identification, measurement on time, reporting of risk observations, ensuring governance framework adherence.
  • Periodic reviews of assigned portfolio across various pertinent risk dimensions.
  • Conducting reviews as per set guidelines on defined frequency, driving actionable across stakeholders.
  • Maintaining risk oversight, monitoring KRI`s covered in ICAAP / RAS, and Risk Limits package.
  • Ensuring adherence to CSPB materiality evaluation and collections performance tracking.
  • RAS, ICAAP monitoring, with timelines adherence & impact monitoring.
  • Tracking collection parameters/KRI to monitor risk appetite & cost.
  • Compliance & audit adherence.
  • Engaging with compliance & audit teams for relevant discussions and detailing.
  • Educational Qualifications:
  • Chartered Accountant
  • CFA
  • MBA (Finance)
  • FRM
  • Equivalent to above
  • Key Skills:
  • Technical skill sets to churn large volumes of data.
  • Ability to conceptualize, implement, interpret & present credit risk dashboards.
  • Communication, articulation, and presentation skills.
  • Proficient operating knowledge of MS Office Suite (Pref. Power BI and Python).
  • Experience Required:
  • Minimum Banking/Finance experience: 0-5 years
  • Major Stakeholders:
  • Product / Business
  • RCSC
  • Retail Portfolio Management (collections)
  • CIC
  • Compliance
  • Internal Audit
  • Other sub-Units of larger Internal Risk Management Team

Required Skills

Refer to the

Skills

FRMInternal AuditPortfolio ManagementRisk AssessmentPower BICredit Risk ManagementComplianceIcaapCredit RiskCredit Risk ManagementRetail CreditCfaChartered Accountant

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