<p><b>What role you will play in team:</b>You will join a team of credit risk professionals, contributing to the assessment and mitigation of credit risk within our retail banking operations. Your work will directly impact the bank's lending decisions.</p><p><b>What you will do:</b> You will perform credit risk analysis on individual loan applications, developing assessments and recommendations based on detailed financial analysis.</p><p><b>Key responsibility:</b><ul><li>Analyze financial statements and other relevant data to assess loan applications.</li><li>Develop credit risk assessments and recommendations based on analysis.</li><li>Maintain accurate records and documentation.</li><li>Collaborate with loan officers and other stakeholders.</li><li>Monitor portfolio performance and identify potential risks.</li><li>Stay current on regulatory changes and industry best practices.</li><li>Contribute to the continuous improvement of credit risk processes.</li></ul></p><p><b>Required Qualification and Skills:</b><ul><li>Bachelor’s degree in Finance, Accounting, or a related field.</li><li>Strong analytical skills and understanding of financial statements.</li><li>Proficiency in Microsoft Excel and data analysis tools.</li><li>Excellent communication and interpersonal skills.</li><li>Experience with credit scoring or risk modeling techniques is a plus.</li></ul></p><p><b>Benefits Included:</b><ul><li>Competitive salary and comprehensive benefits.</li><li>Opportunities for professional growth and development within HDFC Bank.</li><li>A dynamic and challenging work environment.</li><li>Strong emphasis on team collaboration and professional development.</li></ul></p><p><b>A Day in the Life:</b> Your day will involve analyzing financial statements, reviewing loan applications, communicating with colleagues, and contributing to efficient and effective risk management.</p>