HARSH TIWARI
Lucknow
Summary
Dynamic finance professional with experience at Kotak Mahindra Bank Ltd., specializing in credit analysis and financial modeling. Proven ability to enhance client acquisition through strategic market insights and collaboration. Skilled in financial statements and adaptable in fast-paced environments, driving risk-adjusted returns and informed lending strategies.
Overview
4
4
years of professional experience
1
1
Certification
Work History
Deputy Manager
Kotak Mahindra Bank Ltd.
Lucknow
05.2024 - Current
- Evaluated creditworthiness of SMEs for unsecured business loans through financial statement analysis and cash flow projections.
- Developed financial models to assess loan performance and predict default risk.
- Conducted industry and market trend analysis to inform lending strategies.
- Collaborated with business development and underwriting teams to enhance client acquisition and optimize risk-adjusted returns.
Equity Research Analyst Intern
Profit Idea
02.2023 - 05.2023
- Conducted equity research on BSE/NSE-listed stocks using fundamental and technical analysis.
- Authored a detailed stock research report on Rail Vikas Nigam Ltd. (RVNL).
- Published financial insights via social media and blog content to promote market literacy.
Investment Banking Virtual Internship
J.P. Morgan (Forage)
09.2022 - 09.2022
- Analyzed M&A targets using financial ratios, qualitative fit, and strategic alignment.
- Prepared investment recommendation for simulated client acquisition.
Investment Banking Virtual Internship
Citi Bank (Forage)
09.2022 - 09.2022
- Built company profiles and selected comparable companies for valuation benchmarking.
- Summarized strategic synergies and presented insights in a concise M&A overview.
Finance & Accounting Intern
Labdox Pvt. Ltd.
06.2022 - 09.2022
- Managed journal entries, reconciliations, and financial reporting, ensuring timely completion of monthly close.
- Supported AP/AR processes, analyzing balance sheet items to verify accuracy and financial integrity.
Education
PGPM - Finance
ICFAI Business School
Gurgaon, India01-2024
BBA -
Dayanand Academy of Management Studies
Kanpur01-2021
Senior Secondary - ISC
Dr. Virendra Swaroop Education Center
Kanpur01-2018
Secondary - ICSE
Dr. Virendra Swaroop Education Center
Kanpur01-2016
Skills
- Financial Modeling
- Valuation (DCF, Comps)
- Financial Forecasting
- Credit Analysis
- Loan underwriting
- Financial analysis
- Ratio Analysis
- Financial Statements
- Credit risk management
- MS Excel
- SAP
- Data Visualization
- Project Management
- PowerPoint
- Adaptability and flexibility
- Team collaboration
Certification
- Business & Financial Modeling Specialization, University of Pennsylvania (Coursera)
- Understanding Financial Markets, University of Geneva
- Career Edge Program, Tata Consultancy Services, Soft Skills, AI, Accounting Basics
Accomplishments
- 1st Place, Portfolio Management (Finance Event), IBS Gurgaon, 2022
- 3rd Place, Accounting & Taxation Event, IBS Gurgaon, 2022
- 3rd Place, District-level Shot Put (Under-18)
Leadership Initiatives
- Committee In-Charge, Expressions Committee - IBS Gurgaon, 2023-24
- Student Council Member, IBS Gurgaon, 2022-24
- Founder, Well Verti Foundation, NGO supporting underprivileged communities
- Volunteer, HelpAge India
- Volunteer, Lending Hand Foundation
Timeline
Deputy Manager
Kotak Mahindra Bank Ltd.
05.2024 - Current
Equity Research Analyst Intern
Profit Idea
02.2023 - 05.2023
Investment Banking Virtual Internship
J.P. Morgan (Forage)
09.2022 - 09.2022
Investment Banking Virtual Internship
Citi Bank (Forage)
09.2022 - 09.2022
Finance & Accounting Intern
Labdox Pvt. Ltd.
06.2022 - 09.2022
PGPM - Finance
ICFAI Business School
BBA -
Dayanand Academy of Management Studies
Senior Secondary - ISC
Dr. Virendra Swaroop Education Center
Secondary - ICSE
Dr. Virendra Swaroop Education Center