Jay User
@jayuser23
I’m a finance and credit analyst skilled in investment research, valuation, and loan processing.
IndiaWhat I'm looking for
I’m a finance graduate with hands-on experience in financial analysis, investment research, credit assessment, and loan processing across NBFC and financial consulting environments. I focus on evaluating financial documents, borrower eligibility, and investment potential using analytical and CRM tools.
In my recent roles, I conducted sector-based investment research, supported IPO valuation and prospectus analysis using DCF and comparable methods, and analyzed financial statements, industry trends, and investment opportunities. I also assisted in startup screening and investment thesis development for PE and UHNWI-focused opportunities.
On the credit side, I reviewed payslips, bank statements, loan statements, credit card statements, and KYC documents; assessed repayment capacity and maximum loan eligibility using a Bank Serviceability Calculator; and managed application workflows through CRM systems. I take pride in accurate financial documentation review, clear client coordination, and producing reports aligned with client objectives.
Experience
Work history, roles, and key accomplishments
Finance Analyst
Spinnaker Analytics LLC
Nov 2025 - May 2026 (6 months)
Conducted sector-based investment research across Pharma, Banking, and FMCG, including IPO valuation and prospectus analysis using DCF and comparable-company methods. Prepared client-aligned research reports and investment recommendations and supported debt restructuring and solvency assessment projects.
Credit Analyst
Centrum Finance
Mar 2026 - Apr 2026 (1 month)
Verified applicant financial and identification documents and evaluated creditworthiness by reviewing customer liabilities, income patterns, and banking transactions. Supported loan underwriting documentation, performed eligibility calculations, and maintained CRM records while coordinating with clients for approvals.
Credit Analyst
Ambient Consultancy
Sep 2025 - Jan 2026 (4 months)
Reviewed applicant financial and KYC documents, assessed repayment capacity, and calculated maximum loan eligibility using a bank serviceability calculator. Managed client applications and workflow in MyCRM, generated loan game plans, and processed submissions through AOL systems to partner banks.
Education
Degrees, certifications, and relevant coursework
KES Shroff College
Bachelor of Accounting & Finance (BAF), Accounting & Finance
2023 - 2025
Grade: 7.68 (CGPA)
Bachelor of Accounting & Finance (BAF) at KES Shroff College (Mumbai University), completed in 2023–2025 with a CGPA of 7.68.
Availability
Location
IndiaAuthorized to work in
Job categories
Skills
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