Ritik M.

I'm a finance professional with 6+ years of experience across structured finance, credit underwriting, project finance, and financial modeling. I specialize in building robust and complex financial models, supporting capital raises, and advising fintechs and startups on debt structuring, valuations, and investor readiness. I hold an MBA from IIM Kozhikode and have cleared all three levels of the CFA Program. I bring experience from: - A global alternative investment manager focused on providing debt and hybrid capital to fintech and embedded finance platforms in emerging markets - A leading credit rating agency’s structured finance team, where I executed securitization transactions for fintechs and NBFCs - A boutique project finance advisory firm, where I led financial due diligence and built models for infrastructure and energy deals - A legal-tech startup where I support equity raises and long-term financial planning in a Fractional CFO capacity Let’s connect if you're looking for: - Expert financial modeling (cash flow-based, 3-statement, DCF, LBO, or investor-ready) - Project finance models with IRR/DSCR/covenant analysis and bankability checks - Debt structuring and securitization models, including rating agency-aligned outputs - Scenario and sensitivity tools for decision-making and investor dashboards - Strategic finance advisory or Fractional CFO support for capital raising and growth planning