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SME Credit Policy and Digital Initiatives - Analyst

3-8 years

Mumbai, Mumbai Suburban, Mumbai

1 vacancy

SME Credit Policy and Digital Initiatives - Analyst

HDFC Bank

posted 8d ago

Job Role Insights

Fixed timing

Job Description

Role & responsibilities


As a part of the SME Credit Policy and Digital Initiatives dept., you will play a pivotal role in shaping policies, managing portfolios, and implementing cutting-edge digital initiatives to support sustainable growth in the SME sector.


Key Responsibilities:


Policy and Program Development

  • Innovation: Ideate and design new policies/programs in collaboration with product and business teams to unlock new opportunities in SME lending while ensuring regulatory compliance.
  • Optimization: Drive updates, modifications, and renewals of existing policies and programs by engaging with cross-functional teams, including business, risk and compliance.

Digital Transformation

  • Innovation: Spearhead the implementation of digital tools such as BREs, scorecards, and straight-through processing (STP) journeys.
  • Automation: Develop workflows to streamline early warning systems and enhance efficiency in credit monitoring.

Portfolio Management and Risk Mitigation

  • Monitoring: Oversee portfolio health and delinquency, leveraging data analytics to identify early warning signals and improve policies.
  • Problem Solving: Investigate root causes of credit delinquencies and deterioration, using insights to refine credit processes.
  • Reporting: Generate actionable reports on portfolio quality, delinquency trends, and other key metrics for senior management
  • Strategic Reviews: Conduct periodic and event-driven portfolio reviews to assess underlying quality, emerging risks, and trends, recommending proactive measures.

Market Intelligence and Industry Insight

  • Benchmarking: Leverage your professional network to analyse competition and industry trends for strategic advantage.

Sector Expertise: Stay updated on sectoral and industry developments to identify emerging risks and opportunities


Key Skills:


  • A fresh graduate or seasoned professional with a background in SME lending and credit strategy.
  • Proficiency in data analytics and digital tools for credit monitoring.
  • Ability to leverage tools like Excel, Python, Power Apps, and SQL for data-driven decision-making
  • Expertise in portfolio management, risk assessment, and regulatory compliance.
  • Strong communication and stakeholder management skills.
  • A proactive mindset with a passion for driving innovation in the financial sector.


Employment Type: Full Time, Permanent

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What Digital at HDFC Bank are saying

Digital salary at HDFC Bank

reported by 1 employee with 7 years exp.
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₹15.3 L/yr - ₹19.6 L/yr
169% more than the average Digital Salary in India
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What HDFC Bank employees are saying about work life

based on 39.9k employees
59%
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51%
99%
Strict timing
Monday to Saturday
Within city
Day Shift
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HDFC Bank Benefits

Job Training
Health Insurance
Soft Skill Training
Work From Home
Team Outings
Cafeteria +6 more
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HDFC Bank, A-4, Panchvati, Adarsh Nagar Delhi
110088
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HDFC Bank, E - 2 / 257 Shastri Nagar Near Shastri Nagar Metro Station New Delhi-110052 New Delhi India, Vir Banda Bairagi Marg, Shastri Nagar New Delhi
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