Investment analytical, Financial Modelling, credit analysis, MS Excel

Nirmal Rajendrakumar Parab

Brookline, MA +1-781-***-**** ******@********.*** https://www.linkedin.com/in/nirmalparab/ EDUCATION

Brandeis International Business School Waltham, MA Master of Science in Finance (STEM-Designated) - (GPA: 3.76/4 – Distinction) 08/2023 – 12/2024 Awards/Honors: Dean’s Scholarship (55% tuition)

CFA Level II, CFA Institute 08/2025

The Institute of Chartered Accountants of India (CPA Equivalent) Mumbai, India Chartered Accountant (CA) 06/2012 - 11/2018

University of Mumbai Mumbai, India

Bachelor of Commerce (Specialization in Financial Accounting and Auditing) 06/2012 - 06/2015 WORK EXPERIENCE

AMICA Mutual Insurance Company Lincoln RI, USA

Investments Graduate Intern; Fixed Income 06/2024 – 08/2024

● Delivered a risk metric through extensive credit research for a $2.5B corporate (Investment Grade and High Yield) bonds, municipal bonds, and money market funds portfolio, streamlining credit tear sheets that resulted in efficient analysis

● Presented a report for a $1B securitized sector by analyzing the housing market, consumer credit, credit cards, and Auto sector, thus understanding the economic scenario, and assessing its impact on Mortgage-backed & asset-backed securities

● Prepared efficient frontier charts to analyze real-time duration & spreads for $1B MBS and ABS securitized instruments CRISIL Ltd (An S&P Global Company) Mumbai, India

Senior Rating Analyst; Ratings 08/2022 - 07/2023

● Published rating rationale of structured finance rating instruments aggregating to $75M for Indian financial issuers through detailed financial analysis to assist lenders and investors in investment decisions

● Collaborated with team to deliver a press release on Indian Brokerage Industry (aggregating to $1B) to Senior Director, assessing the impact of brokerage company ratings on companies' revenues and new account openings ICICI Bank Mumbai, India

Manager-I; Credit Risk 04/2019 - 08/2022

● Managed $800M credit portfolio and achieved $80M drop in risk portfolio by highlighting critical gaps to the Business Team through Value at Risk calculation, ratio analysis, receivables and bank statement analysis, and efficient risk management

● Trained and led a team of six on a non-performing asset security valuation project (avg. $300M) and ensured error-free provision in the Bank’s Profit and Loss Account ($75M annually), mitigating the risk of security overestimation

● Awarded best team presentation by Chief Risk Officer for credit analysis of gold portfolio ($0.5B) Y.S. Prasade & Co., LLP; (CA Firm) Thane, India

Audit Manager 04/2017 - 03/2019

● Analyzed financial statements and built financial models for companies with revenue of $50M, ensuring accurate forecasts BNP Paribas Mumbai, India

Industrial Trainee; Accounts Control 10/2015 – 09/2016

● Implemented accounting controls, including reconciling loan balances, ensuring compliance with $0.5B daily transactions for corporate and institutional clients in the Asia Pacific region, and highlighting trends in key performance and risk factors ACADEMIC PROJECTS

Brandeis International Business School 08/2023 – 12/2024

Pitched weekly mergers and acquisitions deals. Prepared and presented DCF, LBO, and multiples approach models

Led a team of four in preparing an equity research report by performing qualitative and quantitative analysis, including building Discounted Cash Flow (DCF), transaction multiples, and trading multiples model on Autozone Inc. (AZO, market cap

- $50B), and securing as finalists in the Stock Pitch Competition and delivering a presentation to a panel of industry experts

Designed Financial select sector exchange-traded fund and Risk-Parity Investment strategy by minimizing tracking errors SKILLS/ACTIVITIES

Technical Skills: MS Office (Excel, PowerPoint, Word) Bloomberg S&P Capital IQ FactSet Python LBO M&A VBA License: Associate Chartered Accountant (11/2019 – Present) Activities: Brandeis (2023-24): Teaching Assistant, Options and Derivatives Exam Proctor Global Markets Investment Club, Member Financial Modeling Bootcamp Morgan Stanley Securitized Bootcamp Tennis and Soccer Club Hobbies: Equities Bonds Derivatives Currencies Cricket Table Tennis Tennis FC Barcelona Formula One

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