Isha Jain

Credit Analyst

Professional Summary

MBA (Finance) professional with hands-on experience in credit appraisal, financial analysis, and preparation of Information Memorandums (Ims) for real estate and debt-financed projects. Strong expertise in financial projections, cash flow modelling, and supporting investment and lending decisions through data-driven insights.

Experience

PANKTI MANAGEMENT CONSULTANCY PVT LTD

2024-11 – Present

CREDIT ANALYST

  • Conducted financial and credit analysis for real estate projects to assess feasibility, risk profile, and optimal funding structures.

  • Prepared multiple Information Memorandums for debt-funded projects, presenting project overview, financial projections, risk factors, and returns for lenders and investors.

  • Developed detailed financial projections and cash flow models based on historical performance, market trends, and assumptions, supporting fund raising of ₹125 crore through Private Placement.

  • Analyzed project revenues, costs, and debt servicing capacity to recommend appropriate loan amounts and structures.

  • Produced detailed financial reports and compliance-ready documentation for banks and financial institutions, accelerating fund-raising for client projects.

  • Prepared monthly sales inventory and cost analysis reports, enabling banks to assess disbursement requirements and supporting timely fund release.

INVESTHUB FINANCIAL SERVICES

2023-05 – 2023-06

PORTFOLIO MANAGEMENT ANALYST

  • Built financial forecasting models to assess portfolio performance with accuracy.

  • Designed tailored investment solutions for clients, contributing to measurable portfolio growth and client satisfaction.

  • Supported senior analysts in preparing investment insights and performance reports.

Projects

Research paper on Impact of Mergers & Acquisitions on Shareholder's Wealth

Courses & Certifications

  • Python & Statistics for Financial Analysis, Udemy

Education

Master of Business Administration

Symbiosis Institute of Business Management, Hyderabad

2022-08 – 2024-06

Bachelors of Commerce

SIES College of Arts, Science and Commerce, Nerul

2018-08 – 2021-06

Skills

  • Risk Assessment
  • Financial Modelling in Excel
  • Valuation Techniques (NPV, IRR, DCF)
  • MS PowerPoint
  • MS Word
  • Analytical Thinking
  • Attention to Detail
  • Problem Solving
  • Advanced Excel
  • Python

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