Utkarsh Small Finance Bank

Credit Analyst Intern

InternshipWork from HomeGangtok, Sikkim3 months15K/mo13 openingsImmediate / Rolling

About this internship

Utkarsh Small Finance Bank has an open Credit Analyst Intern position in Gangtok for motivated freshers and final-year students. You will work on live credit analysis projects and finish with something you can genuinely talk about in interviews. About the role As a Credit Analyst Intern at Utkarsh…

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Skills you'll use

Credit AnalysisFinancial StatementsRatio AnalysisAdvanced ExcelCredit AppraisalCash Flow AnalysisRisk AssessmentBanking ProductsReport WritingAttention to Detail

What you'll do

Work on deciding whether a borrower can repay, using their statements rather than their optimism alongside the core team
Apply Credit Analysis, Financial Statements, Ratio Analysis, Advanced Excel 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/CS/CMA (inter or final) or B.A. (Economics)
Graduating batch 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 Statements, Ratio Analysis (or a genuine willingness to learn them)
Exposure to Advanced Excel, Credit Appraisal, Cash Flow Analysis 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 Gangtok, Sikkim or willing to work from there for the internship period

Perks & benefits

Networking with senior professionalsInternship CertificateLetter of RecommendationMentorship from a named mentorLive project experienceDirect access to the team that owns the data you work on

Interview & selection process

3 rounds — typical selection flow for this role:

1Application screening & resume shortlisting by the talent team
2Team-fit / behavioural interview with the team
3HR discussion — stipend, start date, expectations and offer

About Utkarsh Small Finance Bank

Utkarsh Small Finance Bank operates in the small finance bank sector and has an active presence in Gangtok. 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…

Visit Utkarsh Small Finance Bank’s official website ↗

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