Mohit Rathi

About Mohit Rathi

CA Finalist | Finance–Tech Integrator | Turning Data into Decisions Curiosity shaped my start, discipline fuels my journey, and innovation drives my future. I’m a Semi-Chartered Accountant (CA Finalist) with a passion for blending the precision of finance with the possibilities of technology. My career so far has been a fusion of analytical depth, creative problem-solving, and leadership — a combination I continue to refine every day. Highlights of my journey: Academics: 98.2% in CBSE Class 12, CBSE merit recognition, ICAI Distinction Holder and All India Ranks in ICAI Commerce Quizzes 🥇. Recognition: ICAI Data Visualization Contest winner; multiple wins in ICAI Elocution Contests. Leadership: Head Boy, House Captain, Cricket Vice-Captain — leading teams both on and off the field. Where finance meets technology: Technical Skills: Python (co-developer of “MODEP” library), SQL, C++, Java, HTML, Power BI. Finance Expertise: Credit Appraisal, DSCR analysis, CMA projections, and compliance tracking. Cross-Functional Collaboration: Coordinated with Credit Risk, Trade Finance, Treasury, and Operations teams to ensure seamless lending, documentation, and compliance. What sets me apart? I don’t just manage numbers — I craft stories from them. Whether through a Power BI dashboard, a Python automation, or a client presentation, I aim to deliver solutions that are accurate, insightful, and impactful. The road ahead: My vision is to create scalable finance solutions through analytics, automation, and strategic insights — shaping decisions that go beyond the balance sheet. Outside work, you’ll find me exploring books, creating content, or making calculated moves in strategic investing — because for me, learning is a lifelong sport.

Experience

1. Industrial Trainee

   HDFC Bank

   Aug 2024 — Present · Jaipur, IN

   Gained hands-on experience in one of HDFC Bank’s highest corporate banking verticals – Emerging Corporates Group (ECG), handling end-to-end corporate lending process, assisting Relationship Managers in managing & growing Mn corporate portfolio (fund-based & non-fund-based facilities) across diverse sectors: Major Responsibilities - Credit Appraisal & StructuringPrepared & assisted in Credit Appetite Memorandums (CAMs)(around 75+), covering financial statement analysis, industry risk assessment, and regulatory compliance (RBI and MSME guidelines).Conducted CMA projections, MPBF, EPC requirement assessments, and facility structuring for fund-based and non-fund-based facilities.Performed DSCR analysis for term/project loan viability & sensitivity testing. Risk Assessment & Compliance MonitoringEnsured adherence to periodic compliance requirements such as Stock Statements, QFRs, UFCE Certificates, and deferral closure tracking.Monitored DPD/TOD situations, ensuring prompt regularisation to maintain portfolio quality. Client Relationship ManagementPartnered with RMs to address client-specific banking needs, transaction queries, and documentation support.Managed account operations including REKYC, current/memorandum/escrow account handling, master udaptes etc.Facilitated corporate actions like IPO NOCs, CHG-1/4 filings, TSR/VR clearances, and pari passu documentation. Cross-Functional Department /Peer Bank AssistanceCoordinated with Credit Managers during sanction stages, seeking client data, clarifications, & appraisal requirements for timely CAM closure.Worked with the Risk Team for borrower risk rating assessment (HDB 1–10) using micro & macro analysis frameworks.Liaised with CRILC Team for CIBIL/CRILC/Dedupe report,Trade Finance, Treasury, and Operations for smooth disbursement and post-disbursement documentation workflows.Collaborted with Peer Banks for Pari Passu regualtions, CIRs circulations etc

Education

• The Institute of Chartered Accountants of India

  Professional Qualification

  2022

• KPS Udaan

  Commerce with Information Practices (IP)

• University of Rajasthan

  Bachelor of Commerce - BCom

  2022 — 2025