Harsh Udawat
@harshudawat
Financial analyst and FP&A pro modeling credit risk, cash flows, and multi-year business valuations.
IndiaWhat I'm looking for
I build cash flow projections and scenario models for 30+ MSME clients at City Union Bank, translating financial statements into clear creditworthiness and loan-structuring recommendations.
In FP&A-style variance thinking, I’ve modeled DSCR across optimistic, base, and stress cases, then packaged it into Credit Appraisal Memos (CAMs) with projections, collateral valuations, and risk ratings for senior decision-making.
I also built a 25-year greenfield solar project financial model for a Rs 240 Crore, 50 MW infrastructure deal, and completed a full business valuation of Tata Steel using FCFF, WACC, DDM, and EVA.
Before that, I supported derivatives and market risk analysis at Paterson Securities, then did equity valuation and sector analysis through a live investment banking project—grounding my work in corporate finance and decision-support.
Experience
Work history, roles, and key accomplishments
Deputy Manager, Credit Underwriting
City Union Bank
Oct 2024 - Present (1 year 10 months)
Analyzed financial statements and built cash flow projections for 30+ MSME clients monthly, providing data-driven recommendations on creditworthiness and loan structuring.
Summer Intern, Derivatives and Market Risk
Paterson Securities Pvt. Ltd.
Apr 2023 - Jun 2023 (2 months)
Analyzed risk-adjusted performance of Nifty 50 option strategies using Greeks and back-testing frameworks across market scenarios.
Equity Markets and Investment Banking Analyst
Finlatics Live Project
Sep 2022 - Oct 2022 (1 month)
Performed equity valuation and sector analysis across BSE 500 companies, building simulated investment portfolios and tracking profit and loss against benchmarks.
Education
Degrees, certifications, and relevant coursework
IFMR Graduate School of Business
Master of Business Administration, Finance
2022 - 2024
Grade: 7.01/10
MBA in Finance from IFMR Graduate School of Business, Chennai, with a CGPA of 7.01/10.
Prestige Institute of Management and Research
Bachelor of Business Administration, Finance
2018 - 2021
Grade: 80.7%
BBA in Finance from Prestige Institute of Management and Research, Indore, with a score of 80.7%.
Tech stack
Software and tools used professionally
Availability
Location
IndiaAuthorized to work in
Job categories
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