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). 1. Core Responsibilities & Portfolio Management
Micro Enterprises Banking (Mass-Market Credit)
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: Solid 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 Perks & 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.

📌 Ca Intern Mumbai
🏢 Yes Bank
📍 Mumbai