Rating Analyst

1 week ago

Mumbai, Maharashtra, India HDFC Bank Full time

Job PurposePrimarily responsible to carry out 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.

Ensuring that the ratings are accurate and up-to-date with the all available information at all points of time by tracking news, reports both internal and external and quarterly performance of the

Job Responsibilities(JR) : 6 – 8 AreasActionable (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 the entityAnalyzing the business model, identifying strengths, weakness, risks, understanding the revenue models and the corporate structure of the businessesIndependently handling rating assignments for entities of varying sizes and preparing rationales for the ratings assignedAssign ratings as per Bank's internal rating scale after thorough understanding of the borrower, industry and peer group analysisSurveillance of ratingsSurveillance of ratings in the assigned portfolioReview of ratings basis any new developments in the company/industryMonitor the ratings through multiple surveillance frameworks in place.

Ensure all the latest available information is factored in the ratingsIndustry Analysis


Analysis of industry/sector assignedRead through industry reports by various agenciesAttend webinars and seminars pertaining to the industry to keep ourselves abreast of the latest updates and trends in various industries.

Industry presentations evaluating sector performance and rating movement at a portfolio levelFrameworks


Responsible for one of the surveillance frameworks in the teamFollow-up with RAs for feedback on cases appearing in the frameworkReview the feedback and monitor the timely rating action to be taken, if required.

Presentation to senior management on the outcome and key rating actionsOthers


Monitoring portfolio performance for stress indicators and recommend suitable rating actions and highlight key risk factors to the credit team.

Preparing newsletters on industry/portfolio for circulation internallyReplies to audit observationsAny other assignments depending on the needs of the organizationAdhering to the policies

Educational QualificationsKey SkillsCA, CFA or MBA from a Tier 1 institutes


Excellent analytical skillsStrong Interpersonal / Communication skillsExperience in handling large volumes and good in excel skillsGood understanding of Banking productsExperience RequiredMinimum experience in years – 2-4 yearsExperience 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.

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