Hi, I'm

Pratham Mittal

Finance & Investment Analysis

Pursuing B.E. Mathematics & Computing at BITS Pilani Dubai, with a specialisation in Finance. I use quantitative rigour to evaluate credit risk, build financial models, and analyse investment opportunities, from NBFC lending to capital markets.

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Expertise

Investment Banking Financial Modelling DCF Valuation Credit Risk Analysis Comparable Company Analysis LBO Fundamentals Equity Research Financial Statement Analysis Python · Pandas · NumPy WACC · Scenario Analysis Portfolio Theory Stochastic Calculus Investment Banking Financial Modelling DCF Valuation Credit Risk Analysis Comparable Company Analysis LBO Fundamentals Equity Research Financial Statement Analysis Python · Pandas · NumPy WACC · Scenario Analysis Portfolio Theory Stochastic Calculus

About Me

The
Person.

I'm doing my B.E. in Mathematics and Computing at BITS Pilani Dubai because I wanted to understand finance properly, not just on the surface. Most people in finance estimate. I'd rather calculate. The quantitative background gives me a different way of thinking about markets, risk, and what a business is actually worth.

At Agrim Fincap (NBFC), I got to see what credit risk looks like in practice. Going through borrower profiles, making sense of cash flows, understanding why certain loans go bad. It was real work, not textbook theory, and it changed how I think about lending and capital.

Outside of all this, I travel solo around the world whenever I get the chance and keep a close eye on what's happening in markets and the business world.

Academic Performance

9.45

CGPA · BITS Pilani Dubai

Degree B.E. Mathematics & Computing Minor in Finance · 2024 – 2028

Experience Credit Risk Specialist Agrim Fincap · 2025

Location Dubai, UAE Open to global opportunities

Career Interests

Investment Banking Private Equity Venture Capital Financial Markets Credit & Risk Equity Research

Agrim Fincap · Noida, 2025

Work Experience

Where I’ve
Been.

Credit Risk Specialist

Agrim Fincap Pvt. Ltd. RBI-Registered NBFC

June 2025 – August 2025 · Noida, India

Worked on the credit side of a digital lending NBFC, getting hands-on exposure to how borrower risk is evaluated and how lending decisions are made in practice.

Reviewed personal loan applications end-to-end, looking at income stability, repayment history, and bureau data to assess whether borrowers were creditworthy.

Worked on underwriting documentation and approval workflows across a large number of loan files, understanding how credit decisions move through a real lending operation.

Credit Analytics · Python · Machine Learning

Credit Risk & Loan Underwriting Engine

Built an end-to-end credit underwriting engine on a 230,000+ loan dataset, replicating how NBFCs evaluate retail borrowers and make approval decisions across the full lending lifecycle.

Conducted exploratory data analysis on 15+ borrower variables to identify key drivers of default across unsecured retail loans.

Trained a Probability of Default (PD) model using supervised ML, achieving ~70% AUC on validation data.

Defined policy-based thresholds to map PD scores into APPROVE / REVIEW / REJECT underwriting outcomes.

Built an Expected Loss framework combining PD, LGD, and EAD to compute loan-level and portfolio-level expected loss.

Stress-tested underwriting policies to simulate portfolio performance under adverse borrower conditions.

Python Pandas Scikit-learn NumPy Matplotlib Jupyter

GitHub

Dataset Size

230K+

Loan records analysed

Model Performance

~70%

AUC on validation data

Framework

PD · LGD · EAD

Expected Loss Model

Equity Valuation · Excel

Financial Modeling & DCF Valuation

Fully integrated three-statement model with DCF valuation and comparable company analysis to estimate intrinsic equity value.

Linked income statement, cash flow, and balance sheet with strict reconciliation checks.

Driver-based forecasts for revenue, EBITDA, capex, depreciation, and working capital.

FCFF-based DCF using WACC and terminal growth to estimate intrinsic equity value.

Comparable Company Analysis using EV/EBITDA, EV/Sales, P/E across listed peers.

Sensitivity analysis on WACC and terminal growth for downside scenario testing.

Excel Financial Modeling Valuation

Stochastic Finance · Python

Black-Scholes Monte Carlo · Reliance Industries

Simulated Reliance Industries stock price paths using Geometric Brownian Motion and priced European options under the Black-Scholes framework.

Modelled stock price dynamics using GBM calibrated to historical NSE data for RELIANCE.

Ran Monte Carlo simulations across thousands of paths to estimate option payoffs.

Priced European call and put options and compared results with the closed-form Black-Scholes formula.

Analysed sensitivity of option prices to volatility and time to maturity.

Python NumPy Matplotlib Stochastic Calculus

IB Analysis · Startup Valuation

Startup Valuation · Qlub (Arqaam Capital)

Produced a startup valuation pitch for Qlub, a UAE-based restaurant-tech fintech, as part of an Arqaam Capital internship assessment in IB house style.

Analysed Qlub's business model, revenue streams, and competitive positioning in the MENA fintech space.

Applied revenue multiple and DCF-based approaches for early-stage startup valuation.

Benchmarked against comparable fintech transactions and public market peers.

Delivered as a structured pitch presentation and Word document in IB house format.

PowerPoint Word DCF Valuation Startup Analysis

Pratham Mittal

The Person.

Where I’ve Been.

What I Know.

Core Finance

Financial Modeling & Valuation

Research & Communication

Quant & Tools

What I've Built.

Get In Touch.

The
Person.

Where I’ve
Been.

What I
Know.

What I've
Built.

Get In
Touch.