IRM-Analyst-RMCC

Job Title

RMCC Risk Analyst

Business Unit

Integrated Risk Management

Reporting To

Team Lead - RMCC / Senior Risk Analyst

Job Function and Role Type

Risk, Individual Contributor

Version No

3.0

Job Purpose

Responsible for assessing creditworthiness, regulatory reporting, KRI computation, and vendor outsourcing risk management. Supports RMCC sub-verticals with analysis, reporting, and compliance activities.

Key Responsibilities

Ratings Team Responsibilities

Analyze financials and credit proposals to assess creditworthiness.

Monitor and review ratings for assigned portfolios.

Identify risks and evaluate business models.

Credit Mid Office Responsibilities

Prepare regulatory reports as per Basel standards.

Resolve audit queries and manage automation projects.

Collaborate with stakeholders to achieve objectives.

Operations Risk Responsibilities

Collect and compute KRI data and score sheets.

Analyze OR loss data and prepare regulatory reports.

Process write-off and provision files.

Outsourcing Risk Responsibilities

Submit vendor reviews and requirement documents.

Evaluate regulatory and compliance requirements.

Test and implement system functionalities.

Other Responsibilities

Perform tasks as defined by business needs.

Education:

Graduation in BCom/BSc/MSc/MCom; MBA/CFA/CA preferred.

Certifications:

CFA, CA, MBA.

Key Competencies

Analytical skills, regulatory knowledge, stakeholder management, planning and organizing, banking product knowledge.

Major Stakeholders

Business and Customer Relationship Management Team, SME/Retail Credit Risk Department, Basel Team, IT Team, Credit Policy Team.

Skills

Refer to the Job Description

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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