Abhinav Jain

About Abhinav Jain

As a Chartered Accountant at IDFC FIRST Bank, I work on credit appraisal for large corporates Cr), with experience in structuring working capital facilities and evaluating complex financing requirements.I have strong exposure to financial analysis, due diligence, credit assessment, and financial modelling, along with a solid foundation in valuation (DCF and comparable analysis) through live deal exposure.I regularly interact with senior management to assess business strategy and structure debt funding, while actively monitoring portfolio performance.

Experience

1. Wholesale Banking - Credit Analyst

   IDFC FIRST Bank

   Mar 2024 — Present · Mumbai, IN

   I conduct end-to-end credit appraisals for mid-to-large corporates seeking working capital limits, combining financial analysis with strategic business understanding. My responsibilities include:Business & sector evaluation: Preparing comprehensive company profiles, assessing business models, revenue streams, and segment performance alongside in-depth industry outlook studies to identify key growth drivers and risks.Financial due diligence: Performing detailed P&L, balance sheet, and cash flow analyses, including ratio analysis and building financial projections to evaluate creditworthiness and sustainability of operations.Management & promoter assessment: Reviewing ownership structure, governance quality, and promoter track record to assess long-term stability.End-to-end deal execution: Managing cases from client onboarding to disbursement, and post-disbursement through covenant compliance, portfolio monitoring, and early warning signal identification to ensure credit health.Through this role, I’ve developed my skills in evaluating businesses across diverse sectors, structuring credit solutions, monitoring performance and customer creditworthiness.

Education

• The Valuation School

  Investment Banking - Financial Model

• The Institute of Chartered Accountants of India

  CHARTERED ACCOUNTANT , Finance