Credit Analysis Intern - Bangalore  

About the Credit Portfolio Analysis Team 

You’ll join our Credit Portfolio Analysis team, part of Corporate & Investment Banking (CIB) within Global Business Services. The team plays a critical role in supporting our CIB business by delivering high-quality credit analysis, monitoring and administration for corporate and financial institution clients across our global markets. 

We assess clients’ credit profiles through detailed financial analysis and consideration of broader risk factors – including environmental and social risk, climate risk, fraud and reputational risk. Our work directly supports internal credit ratings, capital efficiency and informed credit decision-making across the portfolio. 

This is a team at the heart of how the Bank manages risk and supports sustainable growth.

About the Internship Programme – how you’ll learn and grow 

Our one-year Internship Programme gives you first-hand experiences working on real business challenges from day one. You’ll: 

• Develop practical credit analysis skills through hands-on work
• Gain exposure to live client portfolios and real transactions
• Build strong relationships across regions and functions
• Strengthen your analytical, commercial and communication capabilities. 
  
  

Throughout the programme, you’ll receive structured on-the-job traning and take part in an innovation project designed to deepen your understanding of how our business operates. You’ll be supported by a dedicated mentor who will guide your development and help you navigate your internship experience.

Strong performance during the internship may lead to an opportunity to join us as a Credit Analyst on our graduate pathway.

What you’ll be doing

As a Credit Analysis Intern, you’ll: 

• Analyse financial statements for corporate and financial institution clients using standard templates and internal platforms
• Assess client performance by reviewing financial ratios, projections, and industry trends
• Support internal credit rating processes by inputting financial and economic data accurately
• Contribute to risk assessments including environmental, social, climate and reputational considerations
• Prepare research, financial analysis and written summaries to support credit recommendations
• Collaborate with onshore analysts, relationship managers and credit officers across regions to monitor client portfolios.

You’ll gain exposure to how credit decisions are made and understand how risk is balanced with commercial objectives in a global banking environment.

What we’re looking for 

We’re looking for curious, motivated and detail-oriented individuals who are ready to take ownership of their development. You’ll bring: 

• Strong written and verbal communication skills
• Solid analytical capability, with the ability to interpret financial information and identify trends
• Understanding of financial statements and accounting principles
• High attention to detail and a conscientious approach to work
• A proactive mindset, with the confidence to ask questions and seek feedback
• Ability to work independently while collaborating effectively with others
• Proficiency in MS Office, particularly Word, Excel and PowerPoint. 
  
  

If you’re interested in building a career in credit, risk, or corporate banking, and want to understand how global financial institutions assess and manage risk, this internship will give you meaningful exposure and responsibility from the start.

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion. 

Together we: 

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What we offer

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.

Recruitment Assessments

Some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.

Visit our careers website www.sc.com/careers