Bhakti Ghag

CA with a strong foundation in Financial Modelling, Valuations, mergers & acquisitions. Adept at analyzing financial statements, Market trends, comparable companies and macroeconomic conditions to provide actionable insights and recommendations. Skilled in advanced Microsoft Excel techniques, financial software, and report writing skills, enabling the creation of impactful presentations and comprehensive financial reports.

Analyst - SBI Life Insurance Company Limited - India

(2024-11)

• Conducted financial statement analysis, variance analysis, and competitor benchmarking to evaluate company performance, profitability trends, and relative market positioning.
• Performed peer benchmarking using competitor financials to assess relative positioning across topline growth, cost ratios, VONB, and VONB margins.
• Prepared financial insights and earnings call commentary by analyzing business performance and key market trends.
• Reviewed segment-wise business performance in board presentations and ensured accuracy and consistency of financial disclosures and reporting.

Analyst - International Asset Reconstruction Company Private Limited - India

(2024-05 - 2024-11)

• Prepared Ind AS financial statements ensuring compliance with accounting standards and reporting accuracy
• Developed monthly management reports for strategic review, highlighting key financial and operational performance trends for decision-making.

Accountant - NMAH & CO. - India

(2022-09 - 2024-03)

Article Assistant - GMJ & CO. - India

(2018-09 - 2022-05)

Investment Banking Analyst - JPMorgan Chase

(2025-11)

Virtual Experience

• Evaluated M&A targets based on strategic and financial fit, and built a DCF valuation model incorporating scenario analysis for competitor bids and supply chain disruptions.
• Prepared a client-ready two-page investment brief summarizing target company insights and auction process dynamics.

Investment Banking Analyst - Citi Bank

(2025-09)

Virtual Experience

• Acted as a buyside analyst for a retail acquisition case, developing a company profile and a five-year financial projection model in Excel.
• Performed comparable company analysis (CCA) and relative valuation to assess valuation and benchmark peer performance.

CFA Level 2 - Finance - CFA Institute (2025-05)

CFA Level 1 - Finance - CFA Institute (2023-11)

CA Final - Accounting - Institute of Chartered Accountant of India (2022-05)

Bachelor of Commerce - Commerce - R. A.

Podar

College of Commerce & Economic (2020-03)

Certificate - Financial Modelling and Valuation - The Valuation School (2025)