Rahul Chinnam

Experience

• 

  Valutinum Advisory

  Jun 2021 - Aug 2021

  Financial Analyst
• 

  ICICI Bank

  Jun 2022 - Nov 2022

  Credit Analyst

  • Conducted comprehensive financial statement spreading and analysis to thoroughly assess the creditworthiness of loan applicants and existing borrowers.• Leveraged deep insights from financial data to evaluate the borrower's repayment capacity, liquidity, leverage, and collateral coverage, ensuring appropriate risk mitigation strategies.• Recommended tailored credit limits, loan structures, and terms based on the risk profile of each borrower, collaborating with stakeholders to understand their financing needs.• Proactively monitored the financial performance and risk profile of the loan portfolio, identifying any changes that could impact credit risk and recommending timely interventions.• Prepared detailed credit analysis reports, including well-reasoned recommendations, to support transparent and compliant decision-making processes.• Provided analytical support for investment decision-making, evaluating risk, and projecting returns to improve financial outcomes. Show less

• 

  Infomerics Analytics & Research

  Nov 2022 - now

  • Analyzed financial statements to assess the company's financial health, performance, and risk.• Conducted in-depth research and analysis to develop comprehensive corporate profiles for a diverse range of clients across various industries.• Leveraged multiple data sources, including financial statements, industry reports, and market intelligence, to assess the financial performance, competitive positioning, and growth prospects of target companies.• Conducted financial modeling and forecasting to predict future financial performance and inform business decisions.• Performed detailed financial analysis including ratio analysis, trend analysis, and variance analysis to identify areas for cost optimization.• Preparing NGO Grading, MFI grading, MNRE grading and Techno Economic Viability (TEV) report by including business overview of the rated company, key rating considerations, credit risk assessment, ratio analysis like proficiency turnover & solvency ratio, financial projection/modelling, operational and industry analysis.• Supporting Canara bank clients in covenant testing process for Grading and other sectors which involves reading the credit agreement and finding the loan covenants and based on that make necessary adjustments in the variables for calculating the ratios. Show less Developed over 200 insightful MFI, SME, and due diligence by spearheading quantitative and qualitative financial analysis. Reviewed 100+ financial statements monthly and built models that increased credit risk accuracy as well as Streamlined analysis processes leading to 30% faster insights, synthesizing complex data into clear conclusions. Championed cross-functional collaboration to collect data and develop solutions, known as an expert data synthesizer and Passionate about continuous improvement, leveraging analytics to enable data-driven decision­making. Show less

  • Senior Financial Analyst

    Jan 2024 - now

  • Financial Analyst

    Nov 2022 - Dec 2023