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Prachi Jain

Credit Analyst | Credit Appraisal | Credit Underwriting | Dealer Finance | Vendor Finance | Factoring | Financial Statement Analysis | Risk Assessment |

Mumbai Metropolitan Region

3+ years of work experience

Vivriti Capital
Mar 20242 yrs 5 mosPresent

Jaipur

• Conducted in-depth credit appraisal of corporates, MSMEs, and financial institutions to assess creditworthiness and recommend lending decisions. • Analysed financial statements, cash flow projections, and business models to evaluate credit risk and determine appropriate loan structures. • Prepared detailed credit appraisal memorandums (CAMs) and presented proposals to credit committees for sanction approval. • Monitored existing portfolio accounts for early warning signals, covenant compliance, and periodic reviews. • Collaborated with origination, legal, and operations teams to ensure seamless deal execution and documentation. • Maintained credit quality of the portfolio by proactively identifying and mitigating potential risks.
Teliolabs Communications Inc.
Nov 20233 mosJan 2024

Hyderabad, Telangana, India

During my internship at Teliolabs, I had the privilege of working under the guidance of the Vice President . I successfully managed projects and provided regular updates, honing my skills in telecom basics and gaining valuable experience. Grateful for the opportunity to contribute to Teliolabs' success.
Anand Rathi Shares and Stock Brokers Ltd
Feb 20236 mosJul 2023

Jaipur, Rajasthan, India

Education

JECRC University

Master of Business Administration - MBA, Finance + Marketing

JECRC University

20212 yrs2023

Bachelor of Commerce, Commerce

Govt. Birla College, Bhawanimandi, Distt. Jhalawar

20173 yrs2020

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Headline

Credit Analyst | Credit Appraisal | Credit Underwriting | Dealer Finance | Vendor Finance | Factoring | Financial Statement Analysis | Risk Assessment |

About

Result-driven Credit Analyst with 2 years of NBFC experience at Vivriti Capital Limited, Mumbai. Specializing in end-to-end credit appraisal across Dealer Finance, Vendor Finance, and Factoring products. ✔ Evaluated 300+ individual, SME & corporate credit proposals ✔ Supported disbursement of ~₹70 crores in working capital & factoring loans ✔ Skilled in financial statement analysis, bank statement scrutiny, tax return assessment, and documentation hygiene ✔ Proficient in Excel, Power BI, SQL | MBA Finance – JECRC University Actively seeking roles in Credit Analysis, Risk Analysis, or Financial Analysis across NBFC, Fintech, and Banking sectors in Mumbai / Ahmedabad / Remote. 📩 prachijain7072@gmail.com

Location

Mumbai Metropolitan Region

Work experience

Credit Analyst at Vivriti Capital, Mar 2024 - Present · 2 yrs 5 mos, Jaipur, • Conducted in-depth credit appraisal of corporates, MSMEs, and financial institutions to assess creditworthiness and recommend lending decisions. • Analysed financial statements, cash flow projections, and business models to evaluate credit risk and determine appropriate loan structures. • Prepared detailed credit appraisal memorandums (CAMs) and presented proposals to credit committees for sanction approval. • Monitored existing portfolio accounts for early warning signals, covenant compliance, and periodic reviews. • Collaborated with origination, legal, and operations teams to ensure seamless deal execution and documentation. • Maintained credit quality of the portfolio by proactively identifying and mitigating potential risks.

Project Intern at Teliolabs Communications Inc., Nov 2023 - Jan 2024 · 3 mos, Hyderabad, Telangana, India, During my internship at Teliolabs, I had the privilege of working under the guidance of the Vice President . I successfully managed projects and provided regular updates, honing my skills in telecom basics and gaining valuable experience. Grateful for the opportunity to contribute to Teliolabs' success.

Mutual Fund Analyst at Anand Rathi Shares and Stock Brokers Ltd, Feb 2023 - Jul 2023 · 6 mos, Jaipur, Rajasthan, India

Education

Master of Business Administration - MBA, Finance + Marketing, JECRC University

Bachelor of Commerce, Commerce, Govt. Birla College, Bhawanimandi, Distt. Jhalawar

Prachi Jain - Credit Analyst in Mumbai Metropolitan Region | Tal