<p><strong>What role you will play in team:</strong> You will be part of a team responsible for assessing the creditworthiness of retail loan applicants, ensuring responsible lending practices.</p><p><strong>What you will do:</strong>  You will analyze financial data, credit reports and application documents to make credit decisions, contributing to HDFC's retail loan portfolio.</p><p><strong>Key responsibility:</strong><ul><li>Review and analyze credit applications for retail loans (personal loans, credit cards, etc.).</li><li>Assess applicant's credit history, income, and debt-to-income ratio.</li><li>Utilize credit scoring models and internal guidelines to determine creditworthiness.</li><li>Identify and mitigate potential credit risks.</li><li>Maintain accurate and up-to-date records of all credit decisions.</li><li>Collaborate with other departments to ensure efficient loan processing.</li></ul></p><p><strong>Required Qualification and Skills:</strong><ul><li>Bachelor's degree in finance, accounting, or a related field.</li><li>Strong analytical and problem-solving skills.</li><li>Proficiency in Microsoft Office Suite, particularly Excel.</li><li>Knowledge of credit scoring models is preferred.</li><li>Good understanding of banking regulations and compliance standards.</li></ul></p><p><strong>Benefits Included:</strong><ul><li>Competitive salary and benefits package.</li><li>Opportunities for career progression within HDFC Bank.</li><li>Comprehensive training and development programs.</li><li>Positive and supportive work environment.</li></ul></p><p><strong>A Day in the Life:</strong>  A day will involve reviewing numerous loan applications, performing financial analysis, and making credit decisions based on established risk parameters.</p>