Sarvesh Gaikar

Financial analysis professional with hands-on experience in credit assessment, financial modeling, and scenario-based analysis across diversified corporates. Strong foundation in evaluating cash flows, capital structures, and business performance, with growing expertise in valuation techniques such as DCF and comparable analysis. Keen to leverage analytical skills in valuation and transaction advisory engagements.

Rating Analyst at CARE Ratings Limited (2025-05 – Present)

• Delivered 4 initial ratings and 20+ surveillance engagements across sectors including capital goods, consumer durables, EPC, and hospitality (debt level up to ₹500 crore), supporting credit and investment decision-making
• Performed in-depth financial analysis and business evaluation, including revenue drivers, cost structures, working capital cycles, and industry positioning
• Built and reviewed integrated financial models to assess free cash flows, leverage, DSCR, and liquidity under base and stress scenarios
• Conducted scenario and sensitivity analysis to evaluate impact of transactions such as debt-funded capex, refinancing, demergers, and corporate guarantees
• Assessed enterprise risk, capital structure sustainability, cost of capital (WACC) and downside risk, aligning closely with valuation principles
• Evaluated consolidated financials and contingent liabilities, supporting holistic business valuation perspectives
• Prepared investment-style notes and rating rationales for internal committees and stakeholders

Management Trainee at Finoability Pvt Ltd (2024-04 – 2024-05)

• Conducted equity research on consumer durable companies using fundamental analysis, growth-based stock selection strategies and industry benchmarking
• Built a custom sector index and constructed a model portfolio that delivered an 11.28% return, outperforming the benchmark index gain of 2.47%

Article Assistant at CA Ulhas Borse & Co (2019-04 – 2022-04)

• Executed statutory, concurrent, revenue, and credit audits across public and private sector banks, including borrower financial analysis and detailed credit appraisal reviews
• Reviewed loan documentation, security coverage, and covenant compliance, developing strong expertise in regulatory reporting, internal controls, and risk assessment

Master of Business Administration in BKFS – T. A. PAI MANAGEMENT INSTITUTE, MANIPAL (2023 – 2025)

Bachelor of Commerce – SAVITRIBAI PHULE PUNE UNIVERSITY (2017 – 2020)