Pragya Rathi

About Pragya Rathi

Hi, I’m Pragya—a stratgeic financial advisor- who assists high-growth startups and traditional companies unlock the capital they need to scale efficiently through my own venture \' Catalyst Advisory\'.Currently, I lead growth initiatives, strategic partnerships, and investment transactions at Recur Club, fintech platform backed by Infoedge, Physis Capital and other marquee investors. During last three years, I have successfully closed multiple structured debt deals and equity raises, working with institutional lenders and established companies like Naagin Sauce, Dev Accelerator, Yoho Shoes, Vecmocon, Merlin Brands, TNA Solutions etc.Since 2023, I’ve supported over 120+ companies across diverse sectors, including co-living, agritech, co-working, D2C brands, manufacturing.Prior to this, I contributed two years in auditing at EY, focusing on US GAAP transactions.My investment philosophy blends advisor insight with active market participation. Since the COVID era, I’ve been personally involved in equities and macro-financial trading, providing me with a founder’s lens on capital allocation and risk management. I am currently pursuing CFA Level to deepen my expertise in portfolio management and financial analysis.Let’s connect if you are:1. A startup founder focused on raising growth capital/ tructured debt.2. Interested in sharing insights on market opportunities, deal structuring, or financial strategy.3. Looking to explore synergies between our professional networks.

Experience

1. Senior Capital Consultant

   Recur Club

   Dec 2024 — Present

   Advised 300+ startups on tailored debt solutions, enabling over INR 500 Cr+ in funding across working capital and expansion needs- Structured both secured and unsecured debt products- WCDL, term loans, venture debt, Sales invoice discounting, etc—aligning capital plans with each company\'s revenue cycles, cash flow, and runway-Spearheaded partnerships with VCs, banks, NBFCs, and fintechs, unlocking multi-channel capital access for early and growth-stage ventures- Evaluated 30+ investment opportunities weekly across sectors—analyzing financial statements, creditworthiness, and repayment potential- Collaborated directly with CXOs and founders to build customized capital strategies, improving fund utilization and financial discipline- Developed financial models and debt memos to assess covenant strength, DSCR, IRR, and scenario stress-testing for key accounts- Played a strategic role in refinancing DPD accounts, reducing portfolio delinquencies, and improving cash recovery rates by 7%- Cross-functionally supported Growth, Capital Markets, Legal & Marketing teams, ensuring end-to-end client experience and deal success- Recognized as a key contributor to Recur Club’s capital deployment growth— supporting deals across SaaS, EV, D2C, healthcare, and more.

Education

• Masters' Union

  Masters In Applied Finance , Finance and Financial Management Services

• Indraprastha College For Women

  Bachelor of Commerce - Bcom Honours, International Business/Trade/Commerce

• CFA Institute

  CFA level II cleared, Finance and Financial Management Services

• Amity International School, Vasundhara (Sector-6)

  Class XII, Business/Commerce, General