Twenty example CVs across ten finance roles — a fresher and an experienced profile for each. Every single one scores 8.5 or higher in the same engine that will score yours.
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M&A · Capital Markets · PE support
[YOUR NAME] yourname@email.com | +91 XXXXX XXXXX | Your City | linkedin.com/in/your-profile SUMMARY Finance undergraduate targeting investment banking, with an M&A boutique internship, 3 live deal exposures, and a financial modelling toolkit spanning DCF, LBO and merger models built across 15 practice and live cases. EDUCATION BBA Finance | Shaheed Sukhdev College of Business Studies, Delhi | 2022 - 2025 | CGPA 9.1/10 Financial Modelling and Valuation | Corporate Finance Institute | 2024 EXPERIENCE Investment Banking Intern | Singhi Advisors | Dec 2024 - May 2025 - Built the operating model and DCF for a Rs 800 crore industrials sell-side mandate, stress-testing 12 scenarios for the pitch - Prepared 6 pitch decks and 2 information memorandums across manufacturing and consumer deals, incorporating precedent transaction and comparable companies analysis - Screened 200+ potential acquirers across 3 sectors and built the outreach tracker that produced 14 signed NDAs - Ran the data room for a Rs 300 crore acquisition through due diligence, indexing 900 documents across 11 workstreams ACHIEVEMENTS - National finalist, CFA Institute Ethics Challenge, 2024 - Won the inter-college M&A case competition among 60 teams with an accretion-dilution defence, 2024 SKILLS Financial modelling, DCF, LBO, merger models, comparable companies, precedent transactions, EBITDA analysis, Excel, PowerPoint, Capital IQ (student access), Pitchbook
[YOUR NAME] yourname@email.com | +91 XXXXX XXXXX | Your City | linkedin.com/in/your-profile SUMMARY Investment banking associate with 4 years in mid-market M&A and private capital raises — 11 closed transactions worth Rs 4,100 crore across ECM, DCM and advisory, and end-to-end ownership from pitch to signing. EXPERIENCE Associate, Investment Banking | o3 Capital | Apr 2023 - Present - Executed 6 M&A mandates worth Rs 2,600 crore in consumer and healthcare, owning valuation, information memorandum and negotiation support through to share purchase agreement - Built LBO and merger models with accretion-dilution analysis that anchored 3 winning fairness opinions - Led a 3-analyst deal team through due diligence on a Rs 900 crore cross-border acquisition, coordinating 5 advisor workstreams to a 90-day close - Originated a Rs 350 crore private equity raise by mapping 80 funds and running the roadshow calendar for 22 investor meetings Analyst, Investment Banking | Equirus Capital | Jun 2021 - Mar 2023 - Prepared 40+ pitch decks, teasers and CIMs; 7 converted to signed mandates worth Rs 1,500 crore - Maintained precedent transaction and trading comps databases across 4 sectors on Capital IQ and Mergermarket EDUCATION MBA Finance | IIM Kozhikode | 2019 - 2021 | CGPA 3.5/4 B.Com (Hons) | Christ University, Bengaluru | 2016 - 2019 | 87 percent CERTIFICATIONS - CFA Level 2 cleared; NISM Series IX Merchant Banking SKILLS M&A execution, DCF, LBO, merger models, enterprise value analysis, term sheets, data room management, Capital IQ, Mergermarket, Pitchbook, Excel VBA, PowerPoint
Buy-side · Sell-side coverage
[YOUR NAME] yourname@email.com | +91 XXXXX XXXXX | Your City | linkedin.com/in/your-profile SUMMARY CFA Level 2 candidate targeting equity research, with two research internships, coverage exposure across 11 NSE-listed companies, and a working DCF and comps toolkit built on 40+ annual reports. EDUCATION B.Com (Hons) | Loyola College, Chennai | 2022 - 2025 | CGPA 8.9/10 CFA Level 2 Candidate | CFA Institute | Nov 2026 EXPERIENCE Equity Research Intern | Geojit Financial Services | Jan 2025 - Jun 2025 - Built DCF and EV/EBITDA comps models for 7 mid-cap pharma and FMCG stocks, feeding 3 published initiating coverage notes - Tracked quarterly results and concalls for an 11-stock coverage list, updating earnings estimates and target price inputs within 24 hours - Screened 120 companies on ROCE, ROE and cash conversion using Screener and Capitaline to shortlist 9 ideas for the sector head Research Intern | SBI Securities | May 2024 - Jul 2024 - Compiled channel checks from 30 dealers across 2 sectors into a demand tracker used in 2 sector updates - Wrote weekly market wraps covering NSE and BSE moves for 4,000 retail subscribers ACHIEVEMENTS - Winner, CFA Institute Research Challenge campus round among 18 teams, 2024 - Ranked 2nd of 240 in the college investment thesis competition, 2024 SKILLS Financial modelling, DCF, comparable valuation, annual report analysis, Excel, Screener, Capitaline, Bloomberg (terminal certified), Python basics
[YOUR NAME] yourname@email.com | +91 XXXXX XXXXX | Your City | linkedin.com/in/your-profile SUMMARY Sell-side equity research analyst with 4 years covering Indian midcap chemicals and building materials — 14 stocks under active coverage, 6 initiating coverage reports, and 2 sector theses that outperformed the BSE Midcap index by 9 percent over 12 months. EXPERIENCE Equity Research Analyst | Motilal Oswal Financial Services | Jun 2023 - Present - Own coverage of 9 chemicals stocks with a combined market cap of Rs 1.4 lakh crore; published 34 earnings notes and 4 initiating coverage reports - Built a channel-check network of 25 distributors whose demand signals called 3 consensus-beating quarters ahead of the street - Presented top picks at 60+ institutional investor meetings; 2 ideas delivered 40 percent-plus returns within 18 months - Mentored 2 associates on DCF, EV/EBITDA and price to earnings frameworks and concall note discipline Research Associate | Anand Rathi Securities | Jul 2021 - May 2023 - Modelled quarterly results for 12 building-materials companies, keeping estimate revisions within 48 hours of every concall - Automated the coverage universe screen on ROCE, ROE and leverage in Excel VBA, cutting weekly prep from 6 hours to 1 EDUCATION MBA Finance | SPJIMR, Mumbai | 2019 - 2021 | CGPA 3.6/4 B.Com | Fergusson College, Pune | 2016 - 2019 | 84 percent CERTIFICATIONS - CFA Level 3 candidate; Levels 1 and 2 cleared in first attempts - NISM Series XV Research Analyst SKILLS DCF, comparable valuation, investment thesis writing, target price setting, Bloomberg, Capitaline, Ace Equity, Excel VBA, Python
Big 4 · Mid-tier · Ind AS & IFRS
[YOUR NAME] yourname@email.com | +91 XXXXX XXXXX | Your City | linkedin.com/in/your-profile SUMMARY CA Final candidate (both groups, Nov 2026) with 2.5 years of articleship in statutory audit across manufacturing and NBFC clients — 14 audits executed under Ind AS and Standards on Auditing, from planning and materiality to the audit report. EDUCATION CA Final Candidate | ICAI | Nov 2026 | Inter cleared first attempt, AIR 412 B.Com (Hons) | St. Xavier's College, Kolkata | 2021 - 2024 | 91 percent EXPERIENCE Article Assistant, Statutory Audit | Singhania & Co, Kolkata | Mar 2023 - Present - Executed statutory audits of 8 manufacturing companies with turnover up to Rs 1,200 crore, owning revenue, inventory and borrowings sections end to end - Drafted audit reports, CARO annexures and Schedule III financial statements for 14 engagements with zero partner-level rework on the last 6 - Ran debtors circularisation and bank reconciliation testing across 30+ accounts, surfacing a Rs 4.2 crore cut-off error the client corrected before signing - Performed walkthrough and control testing of ICFR for 5 clients, documenting 60+ controls and flagging 9 gaps to management letters - Led inventory counts at 7 plants including two midnight year-end counts, reconciling floor-to-book differences within 0.5 percent ACHIEVEMENTS - Rank 1 in the firm's internal Ind AS assessment among 40 articles, 2024 - Cleared CA Inter both groups in first attempt with exemption in Audit and Accounts SKILLS Ind AS, Standards on Auditing, CARO 2020, ICFR testing, materiality workpapers, Tally, SAP FICO (user), CaseWare, Excel (pivot, lookup, Power Query)
[YOUR NAME] yourname@email.com | +91 XXXXX XXXXX | Your City | linkedin.com/in/your-profile SUMMARY Chartered Accountant with 4 years in statutory audit and assurance — audit senior on listed and IFRS-reporting clients up to Rs 6,000 crore turnover, leading teams of 5 and closing 20+ engagements with clean quality reviews. EXPERIENCE Audit Senior | BSR & Co (KPMG network) | May 2023 - Present - Lead statutory audits of 2 listed manufacturers and an NBFC under Ind AS, owning planning, materiality, group instructions and the audit report through committee presentation - Supervised 5 associates across 9 engagements; review notes per file dropped 45 percent over two cycles - Identified a Rs 18 crore related-party disclosure gap through analytical procedures; restated before board sign-off - Ran going concern and ECL reviews for an NBFC through a stressed cycle, defending conclusions in 3 audit committee meetings Audit Executive | Varma & Varma | Jun 2021 - Apr 2023 - Executed 12 statutory and tax audits including Form 3CD reporting for clients across trading and pharma - Digitised the firm's sampling and confirmation trackers in Excel, cutting engagement admin by 3 days per audit EDUCATION Chartered Accountant | ICAI | 2021 | First attempt, both groups B.Com | Sacred Heart College, Kochi | 2016 - 2019 | 89 percent CERTIFICATIONS - DipIFR (ACCA) 2023; ICAI certificate course on Ind AS SKILLS Ind AS, IFRS, SA 315, SA 700, consolidation, ICFR, limited reviews, CaseWare, IDEA, SAP, Tally, Excel Power Query
Risk · SOX · Process audits
[YOUR NAME] yourname@email.com | +91 XXXXX XXXXX | Your City | linkedin.com/in/your-profile SUMMARY Commerce graduate targeting internal audit and controls, with two risk-and-controls internships, 40+ controls tested across P2P and O2C cycles, and working fluency in risk control matrices and root-cause writeups. EDUCATION B.Com (Hons) | Symbiosis College, Pune | 2022 - 2025 | CGPA 9.0/10 CIA Part 1 Candidate | IIA | 2026 EXPERIENCE Internal Audit Intern | Forvis Mazars | Jan 2025 - Jun 2025 - Tested 40+ controls across procure-to-pay and order-to-cash for 3 clients, documenting walkthroughs and control gaps in the risk control matrix - Drafted 15 audit findings with root cause and management action plans; 12 accepted without revision by the engagement manager - Built a segregation-of-duties conflict tracker in Excel covering 200 user roles, flagging 17 conflicts for remediation - Ran data analytics on 12 months of vendor payments in IDEA, isolating Rs 60 lakh of duplicate invoices for recovery Risk Advisory Intern | Kirtane & Pandit | May 2024 - Jul 2024 - Mapped 5 SOPs for a manufacturing client's stores function and tested compliance across 3 plants ACHIEVEMENTS - Top 5 of 300 in the university forensic accounting case competition, 2024 SKILLS Risk assessment, internal controls, RCM documentation, walkthroughs, control testing, SOP review, IDEA, Excel (Power Query, pivots), Power BI basics, SAP navigation
[YOUR NAME] yourname@email.com | +91 XXXXX XXXXX | Your City | linkedin.com/in/your-profile SUMMARY Internal audit professional with 4 years across manufacturing and e-commerce — 30+ operational and SOX engagements delivered, Rs 9 crore of recoveries and cost leakage surfaced, and a continuous-monitoring dashboard now standard across 6 business units. EXPERIENCE Assistant Manager, Internal Audit | Protiviti | Jul 2023 - Present - Lead 3-member teams on operational audits of revenue assurance, warehousing and payroll across 6 business units, presenting to the audit committee twice a year - Surfaced Rs 5.4 crore of freight overbilling through data analytics on 18 months of shipments; recovery completed in two quarters - Built a continuous monitoring dashboard in Power BI on 14 control KPIs, cutting repeat findings by 38 percent year on year - Managed SOX 404 walkthroughs and testing for a US-listed client across 45 key controls, with zero deficiencies escalated to material weakness Senior Consultant, Risk Advisory | Grant Thornton | Jun 2021 - Jun 2023 - Executed 18 internal audits across P2P, O2C and inventory, writing findings with root cause and management action plans - Rebuilt a retail client's store audit program, doubling coverage to 120 stores a year at the same team size EDUCATION CA Inter (Group 1) + B.Com | Delhi University | 2016 - 2019 | 82 percent CERTIFICATIONS - CIA (all three parts) 2023; ISO 27001 Lead Auditor SKILLS ERM, risk registers, SOX 404, RCM, control testing, revenue assurance, root cause analysis, IDEA, ACL, Power BI, SQL basics, SAP
Transfer Pricing · DTAA · Litigation
[YOUR NAME] yourname@email.com | +91 XXXXX XXXXX | Your City | linkedin.com/in/your-profile SUMMARY CA Final candidate specialising in direct and international tax through 2.5 years of articleship — 60+ corporate returns and TDS cycles, 8 transfer pricing documentation studies, and drafting exposure across assessments and appeals. EDUCATION CA Final Candidate | ICAI | May 2026 | Inter both groups first attempt B.Com (Hons) | Hansraj College, Delhi | 2021 - 2024 | 88 percent EXPERIENCE Article Assistant, Direct Tax | Dhruva Advisors | Mar 2023 - Present - Prepared 8 transfer pricing studies with benchmarking on Indian comparables, including Form 3CEB filings for groups with Rs 3,000 crore turnover - Drafted submissions for 12 faceless assessments and 4 CIT(A) appeals; 9 closed with nil or reduced additions - Computed advance tax and provisioning for 15 corporate clients each quarter, keeping every filing inside statutory timelines for 10 straight quarters - Ran DTAA analysis and withholding tax positions on 30+ cross-border payments, documenting permanent establishment risk for 6 clients - Managed year-end TDS compliance across 20 entities, cutting default notices to zero from 11 the prior year ACHIEVEMENTS - ICAI national tax quiz, top 20 of 2,000 participants, 2024 SKILLS Income tax, transfer pricing, DTAA, TDS, Form 3CEB, faceless assessments, appeals drafting, Taxmann research, Computax, Excel, PowerPoint
[YOUR NAME] yourname@email.com | +91 XXXXX XXXXX | Your City | linkedin.com/in/your-profile SUMMARY Chartered Accountant with 4 years in transfer pricing and international tax — 40+ TP studies and APA support across pharma and technology, litigation wins preserving Rs 120 crore of positions, and BEPS-aligned documentation for 3 multinational groups. EXPERIENCE Manager, Transfer Pricing | KPMG India | Jun 2023 - Present - Manage TP documentation and Form 3CEB compliance for 14 multinational clients, including master file and CbCR for 3 groups above Rs 6,400 crore consolidated revenue - Defended a pharma client's contract R&D margins through TPO and DRP, preserving Rs 85 crore of the position at ITAT - Led benchmarking refreshes across 6 industries and rebuilt the search strategy playbook now used by a 20-person practice - Supported 2 unilateral APA applications through site visits and position papers, both progressing to term-sheet stage Senior Executive, Direct Tax | Deloitte India | Jul 2021 - May 2023 - Prepared 25+ TP studies and safe harbour evaluations; drafted appeal submissions that closed 5 assessments with nil adjustment - Advised on arm's length pricing for management fees and royalties across 12 intercompany arrangements EDUCATION Chartered Accountant | ICAI | 2021 B.Com | Narsee Monjee College, Mumbai | 2015 - 2018 | 86 percent SKILLS Transfer pricing, DTAA, BEPS, APA, CbCR, master file, benchmarking, litigation support, OneSource, Taxmann, IBFD, Excel
Returns · ITC · Litigation
[YOUR NAME] yourname@email.com | +91 XXXXX XXXXX | Your City | linkedin.com/in/your-profile SUMMARY CA Final candidate with 2.5 years of articleship focused on GST — 500+ returns filed across 40 clients, Rs 6 crore of input tax credit recovered through 2B reconciliations, and drafting experience on notices and refunds. EDUCATION CA Final Candidate | ICAI | Nov 2026 | Inter cleared first attempt B.Com | University of Rajasthan | 2021 - 2024 | 85 percent EXPERIENCE Article Assistant, Indirect Tax | S. Bhandari & Co | Mar 2023 - Present - Filed GSTR-1, GSTR-3B and GSTR-9 for 40 clients across manufacturing and services, sustaining a 100 percent on-time record over 24 cycles - Recovered Rs 6 crore of blocked input tax credit through monthly 2B reconciliations and vendor follow-up trackers across 12 clients - Drafted replies to 15 show cause notices and DRC-03 workings; 11 closed without demand - Processed 9 refund applications for exporters under LUT worth Rs 3.8 crore, all sanctioned within statutory timelines - Implemented e-invoicing and e-way bill workflows for 6 clients crossing the turnover threshold, training 20 client staff ACHIEVEMENTS - Built the firm's GST notice-tracking register now used across 100+ active clients SKILLS GST returns, ITC reconciliation, 2B matching, e-invoicing, e-way bills, refunds, show cause notice drafting, ClearTax, Tally, GSTN portal, Excel
[YOUR NAME] yourname@email.com | +91 XXXXX XXXXX | Your City | linkedin.com/in/your-profile SUMMARY Chartered Accountant (ICAI 2021, first attempt) with 4.5 years in GST advisory and litigation — a 60-entity compliance portfolio, Rs 22 crore of demands quashed or dropped at adjudication, and GST reconciliation automation that halved monthly filing effort. EXPERIENCE Deputy Manager, Indirect Tax | EY India | Aug 2023 - Present - Managed GST compliance for a 60-entity portfolio across pharma and infrastructure, overseeing GSTR-1, GSTR-3B and GSTR-9 annual returns through a 4-member team with a 100 percent on-time record over 24 cycles - Drafted and argued responses to 20 show cause notices spanning input tax credit eligibility and place of supply; Rs 22 crore of demands dropped at adjudication - Advised on GST structuring of 3 EPC contracts worth Rs 1,800 crore, documenting positions on works contracts, time of supply and e-invoicing obligations - Automated 2B reconciliation across the portfolio in ClearTax and Excel Power Query, halving monthly closing effort and recovering Rs 3.1 crore of unmatched credit - Led GST due diligence on 2 acquisitions, quantifying Rs 14 crore of exposure that repriced one deal Senior Associate, Indirect Tax | Lakshmikumaran & Sridharan | Jun 2021 - Jul 2023 - Prepared appeals and tribunal paper-books for 12 GST and legacy service tax matters worth Rs 40 crore in dispute - Computed anti-profiteering workings for 2 consumer companies across 300 SKUs, defended before the DGAP without adverse findings - Drafted advance ruling applications on classification for 4 clients; 3 ruled in the client's favour EDUCATION Chartered Accountant | ICAI | 2021 | Both groups first attempt B.Com | Osmania University | 2015 - 2018 | 88 percent CERTIFICATIONS - ICAI certificate course on GST; ICSI customs and FTP workshop SKILLS GST advisory, litigation drafting, ITC reconciliation, place of supply, customs, foreign trade policy, SEZ, duty drawback, ClearTax, SAP, Tally, Excel Power Query
Strategy · Operations · Transformation
[YOUR NAME] yourname@email.com | +91 XXXXX XXXXX | Your City | linkedin.com/in/your-profile SUMMARY Economics undergraduate targeting management consulting, with two strategy internships, 5 client-facing workstreams delivered, and casing depth across market sizing, business case and go-to-market problems. EDUCATION BA (Hons) Economics | Sri Ram College of Commerce, Delhi | 2022 - 2025 | CGPA 8.8/10 EXPERIENCE Strategy Intern | Praxis Global Alliance | Jan 2025 - May 2025 - Sized a Rs 12,000 crore specialty retail market bottom-up across 40 cities for a PE due diligence, defended in the partner readout - Ran 35 primary research interviews with dealers and customers, coding findings into 4 demand-driver hypotheses adopted by the engagement - Built the KPI dashboard for a consumer client's go-to-market pilot in Excel, tracked weekly across 3 states with 12 metrics - Drafted 25+ client presentation pages across 2 engagements with zero partner rework on the final storyboards Consulting Intern | Masters India Advisory | May 2024 - Jun 2024 - Benchmarked pricing across 60 SKUs and 5 competitors, feeding the recommendation that lifted trial pack margin by 6 percent ACHIEVEMENTS - National winner among 400 teams, McKinsey-run college case championship, 2024 - Vice-president of the college consulting club; trained 80 juniors on structured problem solving SKILLS Market sizing, business case building, primary research, stakeholder interviews, hypothesis-driven analysis, Excel, PowerPoint, Power BI, SQL basics
[YOUR NAME] yourname@email.com | +91 XXXXX XXXXX | Your City | linkedin.com/in/your-profile SUMMARY Management consultant with 4 years across consumer and financial services — 12 engagements spanning growth strategy, operating model design and cost transformation, with Rs 140 crore of tracked value creation and 3 client re-engagements. EXPERIENCE Consultant | Kearney | Jun 2023 - Present - Led the pricing workstream of a consumer-goods transformation, recommending changes across 800 SKUs that added Rs 90 crore of annualised margin - Designed the target operating model for a lender's collections function across 4 regions, cutting cost-to-collect 18 percent in the pilot - Managed 2 analysts and the client PMO cadence across 6 workstreams, keeping a 14-week transformation on schedule to the day - Built the business case for a Rs 250 crore digital investment, securing board approval on first presentation Business Analyst | Vector Consulting Group | Jul 2021 - May 2023 - Ran market sizing and channel diagnostics across 5 engagements in auto components and retail - Redesigned a distributor incentive playbook that lifted secondary sales 11 percent in 2 quarters EDUCATION MBA | XLRI Jamshedpur | 2019 - 2021 | CGPA 3.4/4 BE Mechanical | VJTI Mumbai | 2015 - 2019 | 8.7/10 SKILLS Growth strategy, operating model design, cost transformation, market sizing, business case, PMO, stakeholder management, Excel, PowerPoint, Tableau, Alteryx basics, SQL
Budgeting · MIS · Business partnering
[YOUR NAME] yourname@email.com | +91 XXXXX XXXXX | Your City | linkedin.com/in/your-profile SUMMARY B.Com (Hons) graduate from St. Xavier's Kolkata (92 percent) targeting FP&A, with two finance internships, a full budgeting cycle delivered across 4 departments, and dashboards that cut a monthly MIS pack from 3 days to 1. EDUCATION B.Com (Hons) | St. Xavier's College, Kolkata | 2022 - 2025 | 92 percent CFA Level 1 Candidate | CFA Institute | Feb 2026 EXPERIENCE FP&A Intern | ITC Limited | Jan 2025 - Jun 2025 - Consolidated the annual operating plan for a foods category across 4 departments, assembling 30 cost centre budgets worth Rs 600 crore into the final board submission - Rebuilt the monthly MIS pack in Power BI from 40 Excel sheets, cutting preparation from 3 days to 1 and adding variance analysis drill-downs - Analysed month-end variance on revenue and margin across 12 SKUs, flagging a Rs 8 crore input-cost drift two months early - Modelled 6 pricing scenarios for a relaunch, quantifying contribution margin impact across 3 pack sizes - Presented a rolling forecast pilot to the category CFO that was adopted for 2 quarters running Finance Intern | Emami Limited | May 2024 - Jul 2024 - Automated working capital trackers for receivables across 200 distributors, reducing manual consolidation errors to zero - Reconciled capex commitments for 15 live projects against SAP postings within a 2-day close window ACHIEVEMENTS - Ranked 3rd of 350 in the national corporate finance case competition, 2024 CERTIFICATIONS - Financial Modelling and Valuation (CFI), 2024; NISM Series XV SKILLS Budgeting, forecasting, rolling forecast, variance analysis, MIS, unit economics, capex tracking, working capital, Excel (Power Query, pivots), Power BI, SAP (user), PowerPoint
[YOUR NAME] yourname@email.com | +91 XXXXX XXXXX | Your City | linkedin.com/in/your-profile SUMMARY FP&A professional with 4.5 years across FMCG and SaaS — owner of a Rs 1,100 crore revenue plan, rolling forecasts that held within 2 percent accuracy for 8 straight quarters, and board packs presented monthly to the CFO. EXPERIENCE Manager, FP&A | Zomato | May 2023 - Present - Own the revenue and margin plan for a Rs 1,100 crore business line, running the annual operating plan and quarterly rolling forecasts across 5 city clusters - Held forecast accuracy within 2 percent for 8 consecutive quarters by rebuilding the driver-based model on order-level unit economics - Built the monthly board pack and CFO commentary, cutting close-to-report time from 9 days to 5 with an Anaplan-Excel pipeline - Partnered with 3 business heads on Rs 180 crore of cost interventions, tracking an EBITDA bridge that delivered 70 percent of target in year one Senior Analyst, FP&A | Nestle India | Jun 2020 - Apr 2023 - Ran month-end variance analysis and flux commentary across 20 cost centres for a Rs 2,400 crore category - Automated the capex tracking MIS in SAP and Excel, halving reporting effort for 40 live projects EDUCATION MBA Finance | MDI Gurgaon | 2018 - 2020 | CGPA 3.5/4 B.Com (Hons) | Panjab University | 2015 - 2018 | 85 percent SKILLS Budgeting, rolling forecasts, driver-based modelling, variance analysis, EBITDA bridge, board reporting, business partnering, Anaplan, SAP, Power BI, Excel Power Query, SQL basics
Credit appraisal · Basel · Market risk
[YOUR NAME] yourname@email.com | +91 XXXXX XXXXX | Your City | linkedin.com/in/your-profile SUMMARY Finance graduate targeting credit and risk, with two credit internships, 30 appraisal notes supported across working capital and term loans, and FRM Part 1 cleared in the top quartile. EDUCATION BBA Finance | Christ University, Bengaluru | 2022 - 2025 | CGPA 3.7/4 FRM Part 1 | GARP | Cleared Nov 2024, top quartile EXPERIENCE Credit Risk Intern | HDFC Bank | Jan 2025 - Jun 2025 - Supported credit appraisal of 30 mid-market proposals worth Rs 900 crore, building CMA data spreads and ratio analysis for each note - Ran covenant and utilisation monitoring across a 45-account portfolio, flagging 6 early-warning triggers that led to 2 limit reviews - Built a sector dashboard on 5 stress indicators for auto-component borrowers, adopted into the zonal monthly review - Tested a working PD scorecard on 3 years of repayment data in Excel, back-testing 85 percent classification accuracy Risk Intern | Bajaj Finserv | May 2024 - Jul 2024 - Analysed bounce and collection data across 12,000 consumer loans to segment 4 risk tiers for collections prioritisation ACHIEVEMENTS - Winner among 150 teams, national credit case competition on a stressed-account restructuring, 2024 SKILLS Credit appraisal, CMA data, ratio analysis, early warning systems, portfolio monitoring, PD concepts, Excel (advanced), SQL basics, Python (pandas), Power BI
[YOUR NAME] yourname@email.com | +91 XXXXX XXXXX | Your City | linkedin.com/in/your-profile SUMMARY Credit and risk professional with 4+ years across mid-market lending and portfolio monitoring — a Rs 2,400 crore book across 3 sectors, a 6-analyst pod, and an early-warning scorecard that called 9 of 11 downgrades six months early. EXPERIENCE Senior Credit Analyst | Axis Bank | Apr 2023 - Present - Underwrote 42 mid-market proposals totalling Rs 1,850 crore across auto components, pharma and speciality chemicals with a 96 percent first-pass approval rate - Built an early-warning scorecard on 14 covenant and utilisation signals that flagged 9 of the 11 accounts later downgraded, six months ahead of the rating action - Cut average sanction turnaround from 21 days to 12 by redesigning the appraisal note and pre-filling 60 percent of fields from the CMA data - Led a 6-analyst pod through the annual review cycle of 240 accounts, closing 100 percent on time for the first time in four years Credit Analyst | ICICI Bank | Jun 2021 - Mar 2023 - Prepared CMA-based assessments for 120+ working-capital renewals worth Rs 900 crore across textiles and agri-processing - Automated the monthly portfolio MIS in Excel VBA, saving 3 analyst-days a month and eliminating manual consolidation errors - Presented 15 problem-account deep-dives to the zonal credit committee; 11 restructures approved on first presentation EDUCATION MBA Finance | NMIMS Mumbai | 2019 - 2021 | CGPA 3.7/4 B.Com (Hons) | Narsee Monjee College | 2016 - 2019 | 88 percent CERTIFICATIONS - FRM Part 2 candidate; Part 1 passed first attempt, top quartile SKILLS Credit appraisal, CMA data, ratio analysis, ECL, IFRS 9, stress testing, Excel VBA, SQL, Python, Basel III, early warning systems, restructuring
HNI advisory · Portfolios · AUM
[YOUR NAME] yourname@email.com | +91 XXXXX XXXXX | Your City | linkedin.com/in/your-profile SUMMARY BBA Finance graduate from NMIMS Delhi (CGPA 3.6/4), NISM XA and XB certified, targeting wealth and investment advisory — two wealth internships across 120 HNI portfolios, and model portfolio research spanning mutual funds and fixed income. EDUCATION BBA Finance | NMIMS Delhi | 2022 - 2025 | CGPA 3.6/4 NISM Series XA and XB (Investment Adviser) | 2024 EXPERIENCE Wealth Management Intern | Motilal Oswal Private Wealth | Jan 2025 - Jun 2025 - Prepared quarterly review decks for 120 HNI portfolios worth Rs 700 crore AUM across 3 relationship managers, including asset allocation drift analysis for every family - Analysed and scored 60 mutual fund schemes on rolling returns and drawdowns for the model portfolio committee; 8 recommendations adopted - Delivered risk-profiling refreshes for 45 clients and mapped gaps to target allocation, generating Rs 40 crore of rebalancing proposals - Built a SIP and goal-planning calculator in Excel adopted across the team's 200+ prospect conversations - Drafted 12 estate planning primers with the products desk covering wills, trusts and nomination hygiene for client conversations Investment Intern | ICICI Securities Private Wealth | May 2024 - Jul 2024 - Wrote weekly market and bond-yield updates sent to 900 advisory clients - Modelled 3 bond-ladder illustrations for the fixed income desk used in HNI pitches ACHIEVEMENTS - Runner-up among 200 teams in the national portfolio construction challenge, 2024 SKILLS Asset allocation, mutual fund research, risk profiling, SIP planning, PMS and AIF basics, fixed income, estate planning awareness, Morningstar, Excel (advanced), Power BI basics, PowerPoint, Salesforce CRM
[YOUR NAME] yourname@email.com | +91 XXXXX XXXXX | Your City | linkedin.com/in/your-profile SUMMARY Wealth advisory professional with 5 years managing HNI relationships — Rs 480 crore AUM across 90 families, 96 percent client retention over three years, and a cross-sell playbook that doubled fixed-income penetration. EXPERIENCE Associate Director, Private Wealth | IIFL Wealth (360 ONE) | Jun 2023 - Present - Manage 45 HNI families with Rs 320 crore AUM across mutual funds, PMS, AIFs and bonds, growing the book 28 percent in two years - Retained 96 percent of clients through the 2024 volatility by running proactive drawdown reviews and rebalancing 60 portfolios to target allocation - Doubled fixed-income penetration across the book by building a bond-ladder proposal kit adopted by 12 advisors - Onboarded 14 new families worth Rs 90 crore through CA and referral partnerships, the branch's highest acquisition for 2024 Relationship Manager | HDFC Securities Private Wealth | May 2020 - May 2023 - Grew a 45-family book from Rs 60 crore to Rs 160 crore AUM through goal-based planning and quarterly reviews - Ran 80+ client education sessions on asset allocation, estate planning and market cycles EDUCATION MBA Finance | NMIMS Mumbai | 2018 - 2020 | CGPA 3.5/4 CERTIFICATIONS - CFP 2022; NISM XA, XB and XXI-A (PMS) SKILLS Asset allocation, portfolio reviews, PMS and AIF advisory, fixed income laddering, estate planning, client acquisition, risk profiling, Morningstar, Wealth Spectrum, Salesforce CRM, Excel
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