Analyst-Hindsighting(Business Banking Credit)
IDFC FIRST Bank · Mumbai
- Experience2–5 yrs
- SalaryNot disclosed
- Work modeunknown
- Levelmid
- Posted23 Sept 2026
About IDFC FIRST Bank
IDFC FIRST Bank is hiring in Mumbai in financial services. This role looks for around 2+ years of experience.
The role
A mid-level Analyst (Hindsighting) in business banking credit within IDFC FIRST Bank, responsible for formulating and implementing policies, monitoring credit risk, and improving business banking credit portfolio performance. You will conduct market research and benchmarking to design product programs, drive book growth using the credit decisioning framework, monitor Early Warning Signals (EWS) and portfolio delinquency, and generate portfolio-level MIS while assessing external industry impacts. Skills include credit risk assessment and portfolio monitoring, market research/benchmarking, analytical and research skills, and familiarity with digital banking processes and tools, plus communication and training capability. Based in Mumbai, Maharashtra, India (work mode not specified).
Full job description
Job Requirements
About the Role
The Analyst - Hindsighting (Business Banking Credit) role within the Business Banking Group is responsible for formulating and implementing policies, monitoring credit risk, and enhancing portfolio performance. The role requires close collaboration with cross-functional teams including Product Management, Operations, Sales, IT, Credit, and BIU to ensure effective management of business banking credit portfolios.
Key Responsibilities
Primary Responsibilities
Design new product programs through extensive market research and benchmarking.Drive book growth by implementing BBG policy and credit decisioning framework.Ensure adherence to governance and control frameworks to reduce risk-related costs.Identify portfolio trends and generate portfolio-level MIS.Monitor Early Warning Signals (EWS) and portfolio delinquency.Map the impact of external environments on the portfolio through industry research.Understand and implement best practices from the industry from a risk perspective.Recommend process changes to improve efficiency and quality across assigned areas.Leverage in-house synergies through collaboration with internal stakeholders.Give regular training to Credit and Business Team.Spearhead initiative to improve efficiency & portfolio health.Understand the digital processes adopted by the bank and pro-actively identify areas to leverage the same to drive efficiency.
Secondary Responsibilities
Conduct regular training sessions for Credit and Business teams.Spearhead initiatives to improve efficiency and portfolio health.Understand digital processes adopted by the bank and proactively identify areas to leverage for efficiency.
What We Are Looking For
Education
Bachelor’s degree in science (B. Sc), Technology (B. Tech), Computer Applications (BCA), Commerce (B. Com), or Business Administration (BBA).Post-graduate degree such as MBA, PGDM, or Chartered Accountant (C.A.).
Experience
2 to 5 years of relevant experience in business banking credit or related fields.
Skills and Attributes
Strong analytical and research skills.Ability to collaborate effectively with cross-functional teams.Proficiency in credit risk assessment and portfolio monitoring.Understanding of digital banking processes and tools.Excellent communication and training capabilities.