Credit Analyst Intern

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Skills you'll use

What you'll do

• Support credit appraisal, financial spreading and borrower risk assessment alongside the core small finance bank team
• Work in Excel and internal systems on live financial data
• Prepare schedules, reconciliations and reports for senior review
• Research companies, customers, products or regulations as required
• Present analysis clearly in notes and decks for stakeholders
• Follow documentation and control standards required in a regulated business

Who can apply

• Pursuing or recently completed MBA (Finance)/B.Com/M.Com/CA-Inter/Economics — 2026 freshers & final-year students welcome
• Working knowledge of Credit Appraisal, Financial Statement Analysis, Ratio Analysis (or a genuine willingness to learn them)
• Strong numerical ability and comfort working in MS Excel
• Care with detail and the discipline to document work properly
• Clear written and verbal communication in English
• Based in or willing to work from Kochi, Kerala

Perks & benefits

Interview & selection process

4 rounds — typical selection flow for this role:

1. 1Application screening & resume shortlisting by the talent team
2. 2Discussion with the hiring manager on the function and your fit
3. 3Group discussion or situational-judgement round
4. 4HR discussion — stipend, start date, expectations and offer

About Utkarsh Small Finance Bank

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