Open To Work
Prachi Malani
Mumbai,Maharashtra
Work Preference
Summary
MBA Finance candidate (CGPA 8.61) with hands-on experience in credit risk modelling, IFRS 9 ECL frameworks, and lending portfolio monitoring across banking and NBFC environments. NISM XV-Certified Research Analyst with proven ability to conduct macroeconomic regression analysis, PIT Probability of Default (PD) development, and investment research. Seeking a full-time role in finance, where analytical expertise and risk management experience can drive meaningful impact.
Overview
1
1
Certification
1
1
year of professional experience
Work History
Senior Analyst - Risk & Compliance
BDO India Services Private Limited
Mumbai
01.2026 - Current
- Executed end-to-end Comprehensive Background Verification (BGV) and risk screening including AML, Sanctions, PEP, Adverse Media, and litigation checks to assess client onboarding risk.
- Authored insight-driven risk reports adopted into policy and workflow enhancement initiatives, contributing to improved regulatory compliance and internal audit readiness.
- Assisted in financial statement analysis to strengthen risk controls; participated in internal quality reviews ensuring adherence to compliance frameworks.
Risk & Portfolio Monitoring Intern
A.K. Capital Finance Limited
Mumbai
08.2025 - 11.2025
- Monitored credit risk and covenant compliance for 50+ portfolio companies, tracking financial health, credit rating movements, and early warning signals to flag potential defaults.
- Produced weekly debt market intelligence reports covering legal developments, peer benchmarking, and industry trends, supporting investment decision-making for the lending team.
- Tracked social media and public disclosures of 100+ Key Managerial Personnel (KMPs) to proactively identify reputational and governance risks across the portfolio.
Credit Risk Management Intern
Union Bank of India
Mumbai
05.2025 - 06.2025
- Contributed to IFRS 9 Expected Credit Loss (ECL) modelling by developing Point-in-Time Probability of Default (PIT PD) models using macroeconomic regression and statistical analysis.
- Gained exposure to default studies, ECL staging methodologies, and IFRS 9 implementation challenges in a large public sector banking environment.
Education
Master of Management Studies - Finance
MET Institute of Management
01.2026
Bachelor of Commerce - undefined
Savitribai Phule Pune University
01.2024
Skills
- Financial Modelling
- Credit Risk Assessment
- ECL Modelling (IFRS 9)
- PIT PD Development
- Ratio Analysis
- Financial Statement Analysis
- Portfolio Risk Monitoring
- Macroeconomic Regression
- Investment Research
- Due Diligence
- AML & Compliance
- Probe 42
- Google Colab
- Jupyter Notebook
- Julius AI
- Canva
- Microsoft Office Suite
- IFRS 9
- Basel Norms
- Debt Markets
- Equity Research
- EIC Framework
- PESTEL Analysis
- Early Warning Signals
- Covenant Compliance
Websites
Certification
- NISM XV - Research Analyst Examination, Cleared, 2025
- CA Foundation, Cleared - Institute of Chartered Accountants of India, ICAI, 2021
- ICITSS - Integrated Course on Information Technology and Soft Skills, ICAI, 2022
Accomplishments
- Recipient of Pratibha Scholarship - Awarded for securing Top 2 academic rank in university
- Runner-up - Finance Quiz organised by Zerodha Varsity (2025)
- Member, Placement Committee (2024 - 2026) - MET Institute of Management
- Member, Change Is Us (CIU) - Youth-led beach clean-up and sustainability initiative
Skills
Financial Modelling, Credit Risk Assessment, ECL Modelling (IFRS 9), PIT PD Development, Ratio Analysis, Financial Statement Analysis, Portfolio Risk Monitoring, Macroeconomic Regression, Investment Research, Due Diligence, AML & Compliance, Probe 42, Google Colab, Jupyter Notebook, Julius AI, Canva, Microsoft Office Suite, IFRS 9, Basel Norms, Debt Markets, Equity Research, EIC Framework, PESTEL Analysis, Early Warning Signals, Covenant Compliance
Timeline
Senior Analyst - Risk & Compliance
BDO India Services Private Limited
01.2026 - Current
Risk & Portfolio Monitoring Intern
A.K. Capital Finance Limited
08.2025 - 11.2025
Credit Risk Management Intern
Union Bank of India
05.2025 - 06.2025
Bachelor of Commerce - undefined
Savitribai Phule Pune University
Master of Management Studies - Finance
MET Institute of Management