Rachit Shah

Financially inclined, dynamic & scrupulous professional, aiming for exigent assignments to leverage my experience in enhancing risk management, process efficiencies, reporting accuracy, and the business value thereof aspiring to work in the belts of Finance.

Manager (Debt Execution) at Resurgent India Limited (2024-06 – Present)

• Raising of debt fund for both greenfield and brownfield projects.
• Syndication of long- term and short-term debt for corporate customers, and designing, financing and implementing structured products.
• Meeting with top management of Mid/Large corporates to explore optimal structure of raising funds via debt.
• Preparing teasers, financial models, CMA and other notes as per the requirement of the lenders.
• Meeting and liasioning with bankers to ensure processing of proposals.
• Negotiating terms and condition for the facility to be availed with the lenders.
• Reviewing deal documentation and other reports including feasibility, valuation, title and other technical reports.
• Maintaining and enhancing business quality and relationship with corporate, banks and financial institutions.

Sr. Financial Data Analyst (C.F.G) at Moody's Ratings (2023-08 – 2024-06)

• Conduct financial statement analysis for corporate debt issuers.
• Developed corporate credit scorecard using Moody's rating methodology.
• Prepared focused peer comparison for issuers.
• Performed fundamental corporate credit analysis.
• Calculated key indicator ratios to ensure the credit quality of the corporation.
• Managed and analysed large datasets to develop financial models and perform risk assessments.
• Prepared more than 100 credit review notes and presentation reports.
• Successfully conducted more than 50 data-gathering activities to analyse the industry trend.
• Provided the credit considerations and trends in ratios to the rating committee.

Portfolio Head North Maharashtra at HDFC Ltd. (2022-01 – 2023-08)

• Credit Appraisal for Home Loans, NRP, LAP, and Refinance loans.
• Analysing Financial Statements of Self-Employed Clients.
• Creating credit scoring models using customer data.
• Evaluate the creditworthiness of potential customers.
• Approving or rejecting loans based on given customer data.
• Negotiating ROI and covenants of the loan.
• MIS preparation, variance Analysis, SUD monitoring, updating policy.
• Rating projects on Technical, Legal and Business parameters backed by the data and primary research.
• Agri-visit for more than agriculture income cases.
• Conflict resolution between stakeholders.
• Providing solutions and setting up processes to fund new geographical locations.
• Negotiating the commission for the TPDSA channel to generate the business.
• Leading the DIGI and CCST portfolio and ensuring steady growth.

Equity Research Intern at Growth Arrow Ltd. (2021-06 – 2021-07)

• Analyse the Financial Performance of Britannia Industries Ltd. for the past three years.
• Evaluate the benefits of GOI Schemes and major ongoing projects to promote Food Processing Sector.
• Derived ratios from Britannia Industries Ltd. and compared them with standard industry ratios.
• Valuate Britannia Industries Ltd. share price using Comparable company analysis.
• Performed S.W.O.T analysis, Porter's Five Forces, and PESTLE analysis.
• Impact of Covid-19 on the food processing sector and Britannia Industries Ltd.

M.B.A in Finance & Business Analysis – Indira School of Business Studies

B.E in Computer Science and Engineering – SIPNA C.O.E.T