Kotak Mahindra Bank

Credit Underwriting Intern

InternshipIn OfficeChennai, Tamil Nadu3 months19K/mo11 openingsImmediate / Rolling

About this internship

Start your career in credit underwriting with Kotak Mahindra Bank as a Credit Underwriting Intern in Chennai. 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 Underwriting Intern at Kotak Mahindra…

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Skills you'll use

Credit AssessmentIncome AnalysisBureau Reports (CIBIL)FOIR/LTV ComputationsBanking Statements AnalysisDeviation NotesMS ExcelCredit Policy ReadingFraud IndicatorsDecision Documentation

What you'll do

Work on assessing borrower files — income analysis, bureau reads and deviation notes — with underwriters alongside the core team
Apply Credit Assessment, Income Analysis, Bureau Reports (CIBIL), FOIR/LTV Computations 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, BBA, M.Com, MBA (Finance) or CFA Level 1 cleared
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 Assessment, Income Analysis, Bureau Reports (CIBIL) (or a genuine willingness to learn them)
Exposure to FOIR/LTV Computations, Banking Statements Analysis, Deviation Notes 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 Chennai, 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 Recommendation

Interview & selection process

4 rounds — typical selection flow for this role:

1Application screening & resume shortlisting by the talent team
2Technical interview on fundamentals and your projects
3Practical assignment or case study with a short walkthrough
4HR discussion — stipend, start date, expectations and offer

About Kotak Mahindra Bank

Kotak Mahindra Bank operates in the banking sector and has an active presence in Chennai. 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 watch it from a distance. The…

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