Rakesh Jha

Motivated PGDM fresher with Finance as a major and Marketing as a minor, equipped with strong analytical skills, financial knowledge, and understanding of customer behavior. Experienced in financial documentation, client coordination, and basic investment analysis through internship exposure. A quick learner with good communication, eager to contribute to roles that combine finance, business growth, and customer engagement.Results-driven professional with strong analytical and communication skills. Experienced in financial data analysis and tax compliance, with a commitment to delivering accurate reporting and resolving client issues efficiently. Detail-oriented Tax Associate with expertise in tax provision preparation and financial analysis. Proven ability to ensure compliance and resolve discrepancies, contributing to accurate tax reporting and enhanced client satisfaction.

• Conducted multi-company profitability, liquidity, and solvency ratio analysis for HDFC Bank (ROA 1.9%, NIM 4.1%), Reliance Industries (Operating Margin 18%), and Tata Motors (ROCE 9.2%) to evaluate financial performance and stability.
• Performed DCF valuation of Tata Motors, using forecasted FCF, WACC (10.5%), and terminal growth (3%), estimating intrinsic value at ₹870/share, indicating ~15% undervaluation.
• Executed detailed peer comparison of Eicher Motors and Ashok Leyland, assessing revenue growth, EBITDA margins, leverage, and market positioning.
• Analyzed working capital efficiency of DMart (CCC –15 days) vs Big Bazaar (+22 days), comparing inventory turnover, receivables cycle, and supplier credit structure.
• Completed capital budgeting evaluation including NPV (₹2.08 lakh), IRR (17.8%), and payback period (2.85 years) for an investment proposal using Excel financial functions.
• Prepared an individual wealth management plan by assessing risk profile, investment horizon, and asset allocation strategy for a sample client.
• Conducted banking interest rate comparison across major banks (SBI, HDFC, Kotak, AU SFB) to study product features and pricing differences.
• Performed financial statement analysis of Eicher Motors and Ashok Leyland, interpreting trends in margins, leverage, cash flow strength, and profitability.
• Studied the complete bank loan approval process, covering documentation flow, CIBIL review, credit appraisal, risk assessment, and loan disbursement steps.

MS Excel (VLOOKUP, Pivot Table, NPV, IRR), Power BI, Screener, Tally ERP, Google Sheets,