Senior Credit Analyst – Mumbai, MH
HDFC Bank, a leading private sector bank in India, is inviting applications for a Senior Credit Analyst to join our Lending Risk team in Mumbai. This is a full-time opportunity designed for professionals who combine analytical rigor with a practical understanding of credit underwriting. The role focuses on assessing borrower creditworthiness, identifying emerging risks, and supporting lending decisions across commercial and retail portfolios.
Responsibilities
- Evaluate credit proposals by analyzing financial statements, cash flows, repayment capacity, and collateral value.
- Develop and maintain credit models to determine risk ratings and expected loss for counterparties and segments.
- Monitor portfolio quality through early-warning indicators and regular risk reviews; participate in credit committee discussions.
- Collaborate with relationship managers to structure credit facilities that align with risk appetite and business objectives.
- Ensure compliance with RBI guidelines, internal policies, and regulatory reporting requirements.
Qualifications
- 3-5 years of hands-on experience in credit analysis, risk assessment, and lending processes within the banking sector.
- MBA/PGDM in Finance, CA, CFA Level I+ or equivalent qualification.
- Strong proficiency in financial statement analysis, cash flow modelling, valuation techniques, and data interpretation.
- Proficient with MS Excel and banking software; familiarity with Core Banking and risk management tools is a plus.
- Excellent communication skills, analytical thinking, and ability to work under tight deadlines.
Benefits
- Competitive salary in the INR 12 LPA range, performance bonus, and benefits package including health insurance, PF, and retirement plans.
- Employee development programs, training on credit risk, analytics, and RBI regulatory updates.
- Hybrid work options, paid leave, and employee wellness initiatives.
About HDFC Bank
HDFC Bank is one of India’s leading private sector banks with a robust national footprint and a strong customer focus. We are committed to ethical banking, customer-centric solutions, and innovation in financial services. The Mumbai office serves corporate and individual clients with a full suite of lending and risk management services.
Location: Mumbai, Maharashtra, India
Application Instructions
Interested candidates should apply through the HDFC Bank careers portal. Please attach an updated resume, a brief cover note outlining your relevant experience, and any professional qualifications. Ensure your contact details are current. Shortlisted applicants will be contacted for an initial interview, followed by technical assessments and a final interview. Applications should be submitted by the closing date indicated above.