Manali Parmar

*** ******** ******, *** # ****, San Jose, CA- 95129

408-***-**** acrowd@r.postjobfree.com

Objective To seek a full time job opportunity in the field of finance to utilize my skills and knowledge Profile

Work experience of 27 months as an Analyst at Credit Analysis & Research Limited, a rating agency in India

Keenly interested in corporate finance, financial modeling, analytics and valuation

Excellent data interpretation, problem solving skills and detail oriented along with strong academic background Skills

Balance Sheet, Profit & Loss statement and Cash Flow statement analysis

Financial ratios, sensitivity analysis, peer firm analysis, industry research and preparation of financial projections

NPV / IRR analysis, Discounted Cash Flow and Relative Valuation techniques to arrive at the Enterprise Value

Software: Coding in R, Excel (Solver, Data Table, Vlookup, Pivot tables), VBA, LP Modeling, MS PowerPoint

Database: Bloomberg terminal, Compustat, CRSP

Education

Master of Science in Finance June 2015

Santa Clara University, Leavey School of Business Santa Clara, CA Recognized as Beta Gamma Sigma inductee for academic achievement in business program [GPA: 3.86/4.00] M.B.A. in Finance April 2011

Nirma University, Institute of Management Gujarat, India Bachelor of Engineering in Electronics and Communication June 2009 Gujarat University, L.D. College of Engineering Gujarat, India Coursework

Financial Accounting Financial Management Corporate Finance Statistics and Business Analytics Financial Engineering Investments Corporate Financial Reporting International Financial Management Business Valuation Data Science Emerging Company Finance Decision Making and Analysis Experience

Analyst at Credit Analysis and Research Limited Ahmedabad, India 06/2011 – 09/2013

Analyzed balance sheets, profit and loss and cash flow statements for 20 large corporation clients with revenues greater than $15 million for the purpose of assigning credit ratings under BASEL II Framework

Presented and substantiated rating recommendations at rating committee meetings, ensured timely completion of 15 surveillance rating assignments each year with regular monitoring of outstanding credit ratings

Performed financial projections using financial ratio analysis, scenario analysis and peer firm analysis to derive the rating used by banks including Bank of India, ICICI Bank to sanction debt financing over $1.5 million

Negotiated with clients during site visits to understand the management opinions, administered presentations to comprehend its impact on financial statements and sought for new assignments contributing to additional revenues

Trained three new analysts and provided overall guidance for undergoing analysis and operational aspects of the job

Drafted rating rationale for publication to keep investors abreast about rating changes and responded to queries Summer Internship at Bank of India Ahmedabad, India 04/2010 – 06/2010

Prepared project report on credit appraisal and monitoring of two borrowers with revenues greater than $15 million by evaluating financial parameters to study the process of sanctioning the debt and monitor whether the clients comply to the debt covenants

Designed preliminary excel sheet model for analysis of the three new proposals for the grant of loans in the range of

$5 million to $10 million

Projects

Business Valuation Project: Valuing Starbucks

Prepared the projections based on certain assumptions after entailing extensive industry analysis

Calculated the WACC to derive the present value of free cash flow and arrive at Enterprise Value of Starbucks Data Science Project: Logistic Regression by coding in R to analyze Start-Ups data

Determining success rate of a start-up after cleaning the data consisting 30000+ companies

Used techniques such as logit regression to analyze significant parameters by coding in R Emerging Company Finance Project: Valuing Airbnb

Study the private companies and make assumptions for valuation in absence of public data

Analyzing the industry and comparable companies to arrive at the Enterprise Value of Airbnb Corporate Finance Project: Valuation: Pfizer vs. Novartis

Analysis by evaluation of corporate governance, stockholder analysis, risk profile, measuring investment return, capital structure and cost of capital

Valuing the company using DCF and Relative Valuation techniques International Financial Management Project: Short Term Impact of SNB’s decision to unpeg Swiss Franc

Analyzed the relationship between macroeconomic variables - interest and inflation rate, and expected spot rate of Swiss franc against Euro using the parity relationships, Interest Rate Parity (IRP) and Purchase Power Parity (PPP)

Conducted numerical analysis examining both the magnitude and directional deviation of the actual spot rate compared to the spot rate predicted using the two parity relationships Social Project with NGO “CHILDLINE”

Spread the awareness campaign about CHILDLINE among children and documentation of cases

Interacted with the under privileged children and learnt how to work in groups for a social initiative Additional Information

Coordinator of Finance club at Institute of Management, Nirma University helping knowledge sharing

First prize at a National Level Technical Event in India for designing and operating a remote controlled robotic car

Seminar on ‘Global Positioning System’ (GPS) at “Teqnix-08”, a National Level Technical Event in India

Participated in public speaking program at Ahmedabad Management Association

Interests: Conservation of birds and nature, listening music, watching animated movies

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