Liquidity, cash & capital management specialist

Pragya Rai Treasury & Finance Professional

Pragya is a Las Vegas–based finance professional who designs robust liquidity, cash management, and capital allocation strategies for growing institutions.

0 Years in finance
0 $M+ capital advised
0 Liquidity unlocked
0 Treasury roles
Pragya Rai

Pragya Narendra Rai

Treasury & Liquidity Analyst · MS Finance, UT Dallas

Liquidity Forecasting Cash Management Capital Allocation

Profile

About Pragya

Treasury analyst with hands-on experience in liquidity forecasting, working capital optimization, and data-driven financial modelling across banking and aviation.

Who she is

Pragya combines a Master of Science in Finance from The University of Texas at Dallas with front-line experience in corporate treasury and bank liquidity functions.

She partners with treasury, FP&A, and operations teams to design scalable cash flow, capital structure, and funding strategies that align with risk appetite and regulatory standards.

Education

MS Finance, UT Dallas · B.Com in Financial Accounting & Auditing, University of Mumbai.

Core focus

Liquidity management, ALM support, cash forecasting, working capital optimisation, and financial modelling.

Toolbox

Excel, SQL, Power BI, Tableau, SAP, NetSuite, plus treasury-specific reporting frameworks.

Experience

Recent Roles

A track record of improving liquidity visibility, optimising working capital, and supporting high-stakes capital decisions.

Liquidity Analyst

Credit One Bank · Las Vegas

Jul 2024 – Present
  • Directs daily liquidity forecasting and cash positioning across entities while keeping regulatory ratios within policy limits.
  • Develops balance sheet, capital, and liquidity analytics to support ALM and regulatory reporting.
  • Manages CD funding programme, analysing rollover patterns and pricing to lower overall cost of funds.
Liquidity Forecasting ALM Support CD Funding

Treasury Analyst

Allegiant Air · Las Vegas

Aug 2022 – Jun 2024
  • Automated daily cash forecasting, cutting processing time by 40% and delivering real-time liquidity to leadership.
  • Evaluated financing for up to 50 Boeing aircraft using IRR, NPV and all‑in cost analyses.
  • Recommended DPO changes that unlocked $125M in additional liquidity capacity.
Cash Forecasting Working Capital Capital Allocation

Academic Finance Projects

UT Dallas

2022
  • Built a big‑data alpha model combining fundamentals, technicals, and sentiment for a tech equity portfolio.
  • Developed M&A and LBO valuation models using DCF and APV for multiple case companies.
Financial Modelling Valuation FinTech

Highlights

Selected Work

A few initiatives that show Pragya’s approach to liquidity, modelling, and risk‑aware decision support.

Credit One Bank

Enterprise Liquidity Forecasting

Liquidity · Risk & ALM

Daily liquidity and cash positioning process across multiple legal entities with integrated regulatory ratio monitoring.

  • Improved visibility into primary and secondary liquidity.
  • Enabled scenario analysis on capital and funding plans.
Liquidity Ratios Cash Positioning Internal initiative
Allegiant Air

Working Capital Optimisation

Treasury · Liquidity

Benchmarking DSO, DPO, and DIO versus peers and designing a DPO strategy that unlocked $125M in liquidity.

  • Analysed payables terms and vendor impact.
  • Presented scenario trade‑offs to treasury leadership.
DSO / DPO / DIO Benchmarking Internal initiative
UT Dallas

Big‑Data Alpha & Valuation

Academic · Modelling

Combined factor signals and sentiment to evaluate a tech portfolio, plus detailed M&A and LBO models using DCF and APV.

  • Used R and advanced Excel to structure models.
  • Tested scenarios across capital structure mixes.
R Studio DCF / APV Coursework

Toolkit

Skills & Tools

Pragya blends rigorous financial analysis with modern data tools to support treasury and corporate finance decisions.

Treasury

  • Cash flow forecasting & positioning
  • Liquidity & working capital management
  • Bank & credit facility management
  • Interest rate & FX risk monitoring

Analytics

  • Financial modelling & analysis
  • Capital structure & funding strategy
  • Regulatory & internal reporting support
  • Scenario & sensitivity analysis

Tools

  • Excel (advanced)
  • SQL · Power BI · Tableau
  • SAP · NetSuite
  • Treasury dashboards & automation

Collaboration

  • Cross‑functional stakeholder alignment
  • Vendor and bank relationship management
  • Executive‑ready communication
  • Process improvement & documentation

Contact

Let’s Connect

Pragya is open to treasury, liquidity, and corporate finance opportunities in Las Vegas and remote-friendly teams.

Location

Las Vegas, Nevada, United States