RISHIKA JAIN
Financial Analyst
ACADEMIC BACKGROUND
Master of Business Administration (Finance)
PERSONAL DETAILS
Prestige Institute of Management and Research, Indore | 2018
+91-7999779830
Bachelor of Business Administration
rishikajain991997@gmail.com
https://www.linkedin.com/i n/ Vikram University, Ujjain | 2015
rishika-jain-a3520317a/
Indore, Madhya Pradesh
PROFESSIONAL CAREER
PROFILE INFO XL Dynamics
Passionate financial analyst eager to FINANCIAL ANALYST, 2020 - Jan 2025
contribute to team success through hard
work, attention to detail and excellent Evaluated asset, income, and credit circumstances to support
organizational skills. Clear understanding of planning and informed lending decisions, ensuring regulatory
trends, models and forecast. Motivated to compliance and minimizing default risk.
learn, grow and excel in analysis field.
Skilled in multiple domains, proficient in Assessed loan applications and supporting documents—
creating financial models, and perform including income, bank statements, and civil records—to
valuation. determine creditworthiness and support budgeting and
financial planning objectives.
SKILLS Recorded and posted journal entries, invoices, payments, and
receipts in Tally ERP and Excel-based accounting systems.
Financial Statement Analysis
MS Excel - VLOOKUP, HLOOKUP, Pivot Assisted with monthly, quarterly, and annual financial reports,
tables, INDEX, Financial Function aligning with U.S. GAAP and company reporting schedules.
Credit risk analysis
Variance analysis Performed credit analysis to assess the risk associated with
Transaction comparable granting credit.
Journal, Ledger
GAAP Led forecasting and modeling initiatives for senior leadership,
DCF Valuation / Ratio Analysis providing insight into loan performance and portfolio trends.
Mortgage Underwriting
Macro’s VBA Reconciled bank statements and ledger accounts to identify
TDS discrepancies and ensure alignment of financial data.
Accounting
Forecasting Managed accounts payable and receivable, ensuring timely
Account Payable billing, payments, and vendor reconciliation
Account Receivable
Delivered regular performance reporting and management
reports, highlighting key financial ratios, borrower profiles,
LANGUAGES and credit trends.
English Analyzed credit and loan data to support strategic forecasting,
ensuring alignment with organizational goals and client needs.
Spanish
AXIS BANK
OPERATIONS TRAINEE 2019
Served as a trainee in the operations department, acquiring a comprehensive understanding of
the bank's daily operations.
Managed the processing of Know Your Customer (KYC) and Re-KYC procedures for customers.
Acquired knowledge of the bank's current interest rates, various services offered, and types of
bank accounts available.
Obtained insights into retail banking practices by observing banking center operations.
Interacted with customers by facilitating their day-to-day transactions.
CERTIFICATION
Financial Modeling & Valuation Analysis
Projects Undertaken:
Gained proficiency in interpreting financial statements, including income statement, balance
sheet & cash flow statement.
Created accurate financial forecasts and projections for a company, incorporating historical
data and expected future performance.
Calculated the intrinsic value of the company by DCF (Discounted Cash Flow).
Calculated the cost of equity, cost of debt, & weighted average cost of capital (WACC) for
discounted cash flows.
Relative Valuation Model for Netflix
Created trading and transaction comparable and understood the significance in financial
analysis.
Performed ratio analysis on the financial data to calculate valuation multiples.
Understanding of transaction valuation metrics like Enterprise Value (EV), EBITDA, and EBIT
multiples.
Gained proficiency in collecting and analyzing financial data for the target company and its
comparable peers.
