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Kiaro User

@kiarouser

Management Trainee focused on valuation, equity research, and credit analysis—turning market data into banker-ready insights.

India

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What I'm looking for

I’m looking for a finance role where I can build DCF/valuation models, support equity and credit decisions, and produce banker-ready, executive insights using real market data—while learning fast in a team that values rigorous analysis.

I’m a Management Trainee with an MBA (Quantitative Finance) and a dual background in Equity Research and Credit Analysis. I build complex DCF valuation models, run global peer benchmarking (30+ entities), and turn financial data into executive-ready narratives.

At PI Industries’ Director’s Office, I engineered detailed DCF valuation frameworks with sensitivity analysis to stress-test assumptions, and I supported investor relations through executive risk assessment tied to peer valuations and regulatory/input price impacts. I also led quarterly performance review work across a universe of 31 companies and produced board-level “State of the Sector” reporting to guide long-term planning.

Previously, at Resurgent India, I executed Debt Syndication due diligence and prepared “banker-ready” pitch materials. I synthesised 5 years of annual reports and future plans, analysed debt schedules and repayment structures for solvency, and verified corporate governance, shareholding patterns, and active charges using MCA filings and third-party databases.

Earlier, as an intern at FinLatics, I managed a diversified equity portfolio of 15+ stocks and achieved a 20.1% ROI by actively rebalancing and using multi-factor analysis (Fundamental, Technical, and Sentiment). I’m proficient with Bloomberg Terminal, financial modelling, and portfolio management, and I enjoy bridging analytics with practical decision-making.

Experience

Work history, roles, and key accomplishments

Current

Management Trainee (Director’s Office)

Current

PI Industries Ltd.

Aug 2025 - Present (10 months)

Built domestic-focused DCF valuation models with sensitivity analysis to stress-test key assumptions (raw material costs and monsoon dependency) for agro-chemical peers. Produced board-level and investor-facing reporting by benchmarking PI Industries’ performance across a quarterly KPI universe of 31 companies and designing earnings presentation exhibits highlighting EBITDA margin expansion versus

DCF Valuations Sensitivity Analysis Benchmarking Financial Modeling Investor Reporting KPI Tracking Strategic Planning

Equity Portfolio Intern

FinLatics

Apr 2024 - Jun 2024 (2 months)

Managed a diversified equity portfolio of 15+ stocks with a capital allocation of ₹10 Lakhs, delivering a 20.1% return by actively rebalancing based on market conditions. Developed a proprietary screening framework using liquidity ratios and earnings growth and applied multi-factor (fundamental, technical, sentiment) analysis and derivatives-based hedging to optimize capital efficiency.

Fundamental analysis Technical analysis Sentiment Analysis

Debt Syndication Intern

Resurgent India Ltd.

Mar 2023 - May 2023 (2 months)

Built client financial summaries and company profiles from 5 years of annual reports and forward plans to support credit approval discussions with bankers. Analyzed debt schedules and repayment structures and performed regulatory due diligence using MCA filings and third-party databases to support debt restructuring and fundraising proposals.

Credit Analysis Debt Syndication Due Diligence Financial Statement Analysis Debt Schedule Analysis

Education

Degrees, certifications, and relevant coursework

Symbiosis Institute of Business Management

MBA, Quantitative Finance

2023 - 2025

Activities and societies: Bloomberg Terminal proficiency; Datalytics core committee for financial analytics workshops (100+ students); event management for Revelation, Utopia, and Utthaan.

Completed an MBA in Quantitative Finance (2023–2025) at Symbiosis Institute of Business Management. Served as a Research Fellow mentored by Dr. Bikramaditya Ghosh, applying hypothesis testing and econometric modelling to validate behavioural finance market anomalies.

Symbiosis College of Arts & Commerce

Bachelor of Commerce, Business Entrepreneurship

2019 - 2022

Activities and societies: Executed end-to-end pop-up retail operations (vendor procurement to point-of-sale) and achieved 100% inventory turnover during the event.

Completed a B.Com in Business Entrepreneurship (2019–2022) at Symbiosis College of Arts & Commerce. Conducted primary market research with start-up founders and built a go-to-market oriented business plan, alongside running a pop-up retail venture during the entrepreneurship summit.