Rajat Jain
Summary
Seasoned Senior Credit Analyst at Care Ratings Limited with proven expertise in credit risk assessment and financial modeling. Successfully rated debt instruments exceeding ₹3,000 crore, showcasing strong analytical skills and stakeholder management. Adept at conducting detailed financial analysis and industry research to deliver actionable insights and robust credit opinions.
Overview
4
4
years of professional experience
7
7
years of post-secondary education
1
1
Certification
Work History
Lead Credit Analyst
Care Ratings Limited
05.2023 - Current
- Conducted credit rating assessments for various debt instruments for Mid-Corporate Group (MCG) entities across diverse sectors such as Real Estate, Textiles, Education, and EPC.
- Rated debt instruments exceeding ₹3,000 crore in aggregate, demonstrating strong expertise in evaluating credit risk and structuring ratings across multiple industries.
- Performed detailed financial statement analysis and business model evaluations to assess creditworthiness, identify financial risks, and gauge long-term sustainability.
- Executed comprehensive fundamental credit analysis, including in-depth sectoral research, ratio analysis, cash flow modeling, forecasting, and scenario analysis to support robust credit opinions.
- Prepared credit rating notes, presented to rating committees, and drafted Rating Rationales and Press Releases for external communication.
- Conducted on-site visits across India, interacting with management and assessing operations to support credit evaluations
Transaction Advisory Intern
Plutus Business Advisory
04.2022 - 06.2022
- Performed Financial modeling and investment analysis and evaluating different government schemes for startups
- Developed financial models and conducted DCF and Cost valuation for early-stage start-ups that were looking to raise funds from VCs.
- Collected data for 180 Karnataka-based start-ups and organized them according to the sector they were working in, their current phase, contact details, and districts.
- Developed framework on 124 government schemes for SMEs and start-ups.
- Prepared report on MSMEs located in Uttar Pradesh based on the sectors they were a part of and the districts they were located in.
Equity Market Analyst
Fincrux Technologies LLP
10.2021 - 01.2022
- Maintained a real-time stimulated portfolio on BSE 500 listed companies
Education
MBA - Finance
Institute of Management, Nirma University
06.2021 - 04.2023
Bachelor of Commerce -
University of Rajasthan
06.2018 - 05.2021
XII - CBSE
Subodh Public School
Jaipur 04.2017 - 05.2018
X - CBSE
Subodh Public School
Jaipur 04.2016 - 03.2017
Skills
- Financial statement analysis
- Credit risk assessment
- Financial modeling
- Microsoft Excel proficiency
- Industry research
- Report writing
- Due diligence
- Stakeholder management
Certification
- NISM Series-XV: Research Analyst Certification Examination, 2025
- Bloomberg Certification course 'Bloomberg Market Concepts', 2022
- Course on Udemy on 'MS Excel-Beginner to Expert Course', 2021
- Certified by LinkedIn Learning in 'Financial Modeling Foundations', 2022
Extracurricular Activities
- Winner, Madvertize – National Marketing Event, 2022
- Runner-up, Start-up in 1 Million – National Entrepreneurship Challenge, 2022
- Volunteer, CRY Foundation (Child Rights and You) – Actively contributed to social initiatives aimed at ensuring happier childhoods across India. Participated in key campaigns such as Yellow Fellow, Vaccine Mitra, and various Fundraising drives.
Positions Of Responsibility
Spokesperson, Rotaract Club of IMNU
Jan 2021 – Jul 2022
- Organized intra-college and co-organized national-level events.
- Led flagship social initiatives like Cyclothon and Blood Donation Camp to promote community welfare.
Languages
English
Proficient
C2
Hindi
Proficient
C2
Timeline
Lead Credit Analyst
Care Ratings Limited
05.2023 - Current
Transaction Advisory Intern
Plutus Business Advisory
04.2022 - 06.2022
Equity Market Analyst
Fincrux Technologies LLP
10.2021 - 01.2022
MBA - Finance
Institute of Management, Nirma University
06.2021 - 04.2023
Bachelor of Commerce -
University of Rajasthan
06.2018 - 05.2021
XII - CBSE
Subodh Public School
04.2017 - 05.2018
X - CBSE
Subodh Public School
04.2016 - 03.2017