Jammu & Kashmir Bank

Credit Analysis Intern

InternshipIn OfficeTiruchirappalli, Tamil Nadu2 months13K/mo3 openingsImmediate / Rolling

About this internship

Start your career in credit assessment and underwriting with Jammu & Kashmir Bank as a Credit Analysis Intern in Tiruchirappalli. You will sit with a working team, use the same tools and systems they do, and own a defined piece of work from day one. About the role As a Credit Analysis Intern at…

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Skills you'll use

Credit AnalysisFinancial Statement AnalysisRatio AnalysisCredit ScoringRisk AssessmentExcelBureau ReportsCash Flow AnalysisDocumentationJudgement

What you'll do

Work on assessing whether a borrower can repay, using financials and behaviour rather than optimism alongside the core team
Apply Credit Analysis, Financial Statement Analysis, Ratio Analysis, Credit Scoring to live, production-facing problems
Document your work clearly for reviewers and stakeholders
Participate in reviews and act on the feedback you receive
Collaborate across engineering, product, design or business as required
Follow the team's quality, testing and documentation standards

Who can apply

Pursuing or recently completed B.Com/M.Com, BBA/MBA (Finance), CA/CFA (any level) or Economics graduate
Graduating batch 2025, 2026 or 2027 — final-year students and recent graduates welcome
60% / 6.0 CGPA and above preferred; strong project work is considered alongside academics
Working knowledge of Credit Analysis, Financial Statement Analysis, Ratio Analysis (or a genuine willingness to learn them)
Exposure to Credit Scoring, Risk Assessment, Excel is an advantage
Clear written and verbal communication in English, and care with detail in your work
No prior work experience required — this is a fresher-friendly internship
Based in Tiruchirappalli, Tamil Nadu or willing to work from there for the internship period

Perks & benefits

Pre-Placement Offer (PPO) opportunityFlexible working hoursNetworking with senior professionalsInternship CertificateLetter of RecommendationDirect access to the team that owns the data you work on

Interview & selection process

4 rounds — typical selection flow for this role:

1Application screening & resume shortlisting by the talent team
2Practical assignment or case study with a short walkthrough
3Discussion with the hiring manager on the role and your fit
4HR discussion — stipend, start date, expectations and offer

About Jammu & Kashmir Bank

Jammu & Kashmir Bank operates in the banking & financial services sector and has an active presence in Tiruchirappalli. Interns here are put on real work from the start, because the team's view is that the fastest way to learn a craft is to practise it under people who already do it well — not to…

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