Bindiya Varghese Anns
Mumbai
Summary
Corporate Finance Analyst with experience in Techno-Economic Viability (TEV) analysis, credit appraisal support, and LIE reporting . Interested in opportunities across Corporate Banking, Credit, Project Finance, and Investment Banking , applying lender-side appraisal, monitoring, and financial analysis skills in a global banking environment. CFA Level I (February) – Exam Appeared .
Overview
4
4
years of professional experience
1
1
Certification
Work History
Corporate Finance Analyst
Techleap Advisory
09.2024 - Current
- Prepared and evaluated Techno-Economic Viability (TEV) reports to support loan sanction and credit appraisal , assessing technical feasibility, financial viability, and economic sustainability of projects across manufacturing and industrial sectors , including Sugar, Cement, Metals, Chemicals, Pharmaceuticals, and Building Materials .
- Built detailed financial models and evaluated project viability using DSCR, IRR, and NPV , incorporating assumptions on capacity utilization, revenue, cost structure, working capital, capital expenditure, and funding mix.
- Performed comprehensive ratio analysis and peer benchmarking to assess financial strength and creditworthiness.
- Conducted industry and sector research for each assignment, analyzing demand–supply dynamics, pricing trends, regulatory environment, competitive landscape , and relevant import–export data to support lender assessment.
- Executed financial and operational due diligence , verifying client-provided data, assumptions, and projections used in TEV models to ensure accuracy and consistency with audited financials.
- Prepared LIE (Lender's Independent Engineer / Independent Evaluation) reports to independently verify post-sanction project implementation , cross-checking physical progress, cost incurred, and funding utilization against the approved TEV, sanctioned project cost, and disbursement conditions.
- Prepared structured TEV and LIE reports and assisted in presenting findings to senior management and lending institutions to support informed credit and monitoring decisions.
Tax Analyst
PW & Co LLP (Pricewaterhouse & Co LLP)
03.2024 - 08.2024
- Conducted thorough internal risk management assessments to ensure compliance with firm policies and regulatory standards.
- Identified potential risks and developed strategies to mitigate them, resulting in an improvement in risk compliance accuracy.
- Managed the preparation, review, and filing of Tax returns for a diverse client base, ensuring accuracy and compliance.
- Accompanied senior analysts on client visits to represent clients in various matters, facilitating clear communication and resolution.
- Analyzed financial data to identify trends and discrepancies, providing actionable insights for clients and senior management.
- management
Internship
R S Chhabra & CO (Chartered Accountancy Firm)
11.2021 - 02.2023
- Preparations of Annual Financial Statements including Balance sheet, P&L, Cash Flow statements and other notes to accounts.
- Preparation of Income Computation of various assesses and filing of Income Tax returns (Individuals and Corporate).
- Filing of GST returns (Individuals and Corporate).
- Responsible for book keeping, file and document, maintenance of accounts.
Education
Bachelors in Accounting And Finance - 9.40CGPA/10 - Accounts And Finance
LR College of Arts, Commerce And Science
Mumbai, India05-2023
Higher Secondary (XII) - 92.23% - Commerce
ST. Theresa's Bethany Convent of Higher Secondary School
Kerala, India04-2020
Senior Secondary (X) - 75% -
Holy Angels English High School
Mumbai, India03-2018
Skills
- TEV and LIE Report Writing
- Financial Modeling (Project Finance)
- Ratio Analysis & Peer Benchmarking
- Industry & Sector Research
- Financial Statement Analysis
- Advanced MS Excel
Certification
- NISM Series VIII – Equity Derivatives Certification Examination
- NISM Series XV – Research Analyst Examination
Timeline
Corporate Finance Analyst
Techleap Advisory
09.2024 - Current
Tax Analyst
PW & Co LLP (Pricewaterhouse & Co LLP)
03.2024 - 08.2024
Internship
R S Chhabra & CO (Chartered Accountancy Firm)
11.2021 - 02.2023
Bachelors in Accounting And Finance - 9.40CGPA/10 - Accounts And Finance
LR College of Arts, Commerce And Science
Higher Secondary (XII) - 92.23% - Commerce
ST. Theresa's Bethany Convent of Higher Secondary School
Senior Secondary (X) - 75% -
Holy Angels English High School