Dhananjay Gharate

DG

Open to opportunities

Dhananjay Gharate

@dhananjaygharate

Equity Research Analyst conducting SEC filing-based research across 30+ US public companies and building source-grounded AI evaluation rubrics.

In my freelance equity research work, I analyze SEC filings across 30+ US public companies and 8+ sectors, reconciling figures across filings, fiscal periods, and document versions. I build three-statement models and valuations, and write investment cases with claims traceable to sources.

At Crisil Limited, I analyzed financial statements for credit-rating assessments across 40+ companies and maintained audit-ready documentation. I also design filing- and US GAAP-grounded tasks and weighted rubrics to evaluate AI agents.

Experience

Work history, roles, and key accomplishments

SE

Current

Freelance Equity Research Analyst

Current

Self-Employed

Nov 2025 - Present (1 year)

Conducted independent research on 30+ US public companies across 8+ sectors, reviewing SEC filings and evaluating business models. Designed source-grounded tasks and rubrics to evaluate AI agents.

SEC Filings 10 Ks 10 Q Filings 8 K US GAAP Financial Modeling DCF Comparable Analysis Python Excel Power BI AI Evaluation Rubric Design

CL

Financial Analyst – Executive (Ratings)

Crisil Limited

Jan 2025 - Apr 2026 (1 year 3 months)

Analyzed financial statements of 40+ companies across 10+ sectors for credit-rating assessments, covering profitability, cash flows, liquidity, and capital structure. Evaluated leverage and debt servicing across facilities totaling over 5,000 Crore.

Credit Analysis Financial Statement Analysis Leverage Liquidity Capital Structure Decisions KPI Reporting Audit documentation

PL

Equity Research Intern

ProCapitas (Nishtya Infotech Pvt. Ltd.)

Jul 2024 - Dec 2024 (5 months)

Built three-statement models, DCF, and comparable-company valuations for listed companies and benchmarked peers to support investment conclusions.

Financial Modeling DCF Comparable Analysis Equity Research Valuation

SL

Associate

SB Solutions Pvt. Ltd.

Dec 2023 - Jun 2024 (6 months)

Prepared MIS and management reports, performed balance sheet and ERP-based reconciliations, and supported statutory audit documentation.

MIS Reporting Balance Sheet Reconciliation ERP Audit documentation

WL

Associate

Oct 2023 - Dec 2023 (2 months)

Provided technical support for procurement and payment systems within client environments.

Technical Support Procurement Payment Systems

CF

Staff Accountant

CA Firm

Feb 2019 - Jun 2021 (2 years 4 months)

Recorded daily transactions, maintained ledgers, reconciled bank statements, and assisted with financial reports for multiple clients.

Bookkeeping Ledger Maintenance Bank Reconciliation Financial Reporting

Education

Degrees, certifications, and relevant coursework

SU

Savitribai Phule Pune University

Master of Arts, Economics

Pursuing a Master of Arts in Economics with an expected completion in 2027.

PR

Parul Institute of Management & Research

Master of Business Administration, Finance

Completed a Master of Business Administration in Finance in 2023.

SU

Savitribai Phule Pune University

Bachelor of Commerce, Finance

Completed a Bachelor of Commerce in Finance in 2021.

Tech stack

Software and tools used professionally

Pandas

Python

JSON

SQL

Tally

Power BI

Availability

Open to opportunities

Location

India

Authorized to work in

Salary expectations

882k+ INR

Job categories

Equity Research Analyst Financial Analyst Credit Analyst

Skills

Equity Research SEC Filings US GAAP Financial Modeling Three Statement Modeling Discounted Cash Flow Comparable Company Analysis (CCA)Credit Analysis Financial Statement Analysis Accounting Review Financial Forecasting FP&A Corporate Finance Financial Reconciliations AI Agent Evaluation

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