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191 HDFC Bank Jobs

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 14hr 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

Read full job description

Prepare for Digital roles with real interview advice

Top HDFC Bank Digital Interview Questions

Q1. 1.WHAT IS SPECIAL OF UR HOME TOWN 2.Who is Main compitetor with us and which products...3.what is main business in your area and its functio ... read more
Q2. If a client comes to take a loan & he haven't got any type of documents with him (primary or secondary), how will you deal with him? &am ... read more
Q3. At this current situation , what is your view for overall economic market
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What people at HDFC Bank are saying

Digital salary at HDFC Bank

reported by 1 employee with 7 years exp.
₹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 39.7k employees
59%
44%
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 Mumbai Office Location

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Mumbai Office
Headquarter
HDFC Bank, Senapati Bapat Marg, Lower Parel Mumbai
400013

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