Ca Intern

Yes Bank; Mumbai; On-site; INR 167,000 - 335,000; Full time

Benefits offered by this job

Structured mentorship

Competitive stipend

Exam leave for CA finals

Corporate exposure

Job summary

Yes bank invites applications for CA Industrial Trainee in Credit Risk Management. Trainees will gain exposure to underwriting, risk assessment, and financial analysis across micro enterprises and mid-corporate sectors, with hands-on experience in risk profiling and loan evaluation.

The program offers structured mentorship, exam leave allocation for CA finals, and a chance to develop corporate banking skills in a premier financial institution.

Qualifications

• Passed CA Intermediate (preferably both groups in the first attempt).
• Eligible for CA Industrial Training as per ICAI guidelines.
• Strong command of accounting standards and financial statement analysis.
• Ability to perform financial modeling and risk assessment.

Responsibilities

• Evaluate high-volume loan applications using financial statements and bank statements.
• Assess cash-flow viability and repayment capacity of micro-enterprises and proprietors.
• Conduct data-driven risk profiling using scoring models.
• Monitor early warning signals to mitigate delinquency and manage credit health.
• Prepare detailed credit analysis for corporate borrowers (CAM/ICAM) and structuring facilities.

Skills

Advanced Excel

Financial statement analysis

Accounting standards

Financial modeling

Analytical thinking

Communication skills

Education

CA Intermediate (ICAI)

Tools

CAM/ICAM

Job description

Yes bank -Urgent hiring for CA Industrial Trainee,

Job Title: CA Industrial Trainee Credit Risk Management

Role Overview

Our firm is seeking highly motivated CA Industrial Trainees to join our Credit Risk Management division. You will gain deep, hands-on exposure to underwriting, risk mitigation, and financial analysis across two critical growth sectors:

Micro Enterprises Banking and Commercial Banking (Mid-Corporate).

Core Responsibilities & Portfolio Management

• Evaluate high-volume loan applications using financial statements, tax filings, and bank statements.
• Assess cash-flow viability and repayment capacities of micro-businesses and proprietors.
• Conduct data-driven risk profiling using standardized scoring models and surrogate data.
• Monitor early warning signals to mitigate delinquency and manage portfolio credit health.

B. Mid-Corporate Commercial Banking (Complex Credit)

• Conduct deeply detailed financial analysis, including ratio analysis, trend assessment, and working capital cycles.
• Prepare structured Credit Proposals (CAM/ICAM) for multi-crore credit facilities.
• Assess industry risk dynamics, competitive positioning, and management capabilities of corporate borrowers.
• Structure credit facilities (Fund-based and Non-fund-based like LC/BG) to align with risk appetite.
• Participate in site visits and senior management interactions to evaluate business operations firsthand.

Candidate Eligibility & Technical Skills

• Academic Qualification: Passed CA Intermediate (preferably both groups in the first attempt).
• ICAI Eligibility: Eligible for CA Industrial Training as per ICAI guidelines (typically during the last year of articleship).
• Financial Literacy: Strong command over accounting standards, financial statement analysis, and corporate finance.
• Analytical Rigor: Proficiency in Advanced Excel (financial modeling, tracking metrics, formulas).
• Communication: Sharp business writing skills for drafting concise credit notes and risk arguments.

Key Benefits & Work Culture

• Structured Mentorship: Direct reporting to Senior Risk Managers and Experienced Leaders.
• Competitive Stipend: Fully aligned with premium corporate industrial training market standards.
• Exam Leave Allocation: Dedicated study leave provided to ensure preparation for CA Final exams.
• Corporate Exposure: A distinct shift from traditional articleship into core banking credit strategy.