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Finance Professional  ·  Mumbai / Dubai

BHARAT RAJATIYA

Treasury & Derivatives IFRS Reporting Valuation & DCF Power BI Capital Markets Risk Management Python · Excel
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01 · About
Bharat Rajatiya
5+
Years in
Finance
The Story

From the fields of Gujarat
to global finance floors

"The best finance professionals aren't born in corner offices — they're forged in discipline, ambition, and the hunger to prove something."

I grew up in a small farming family in Gujarat — a background that instilled an uncompromising work ethic and a deep respect for every rupee earned. Finance wasn't a career of convenience; it was a deliberate, ambitious choice to understand how wealth is created, moved, and managed at scale.

That conviction drove me through the CA curriculum at ICAI — clearing all three levels in first attempts — into a Finance Analyst role at UBS Investment Bank (Leveraged Finance, Special Situations). I earned a Pre-Placement Offer from UBS. That says more than any certificate.

Today, as Finance Manager – Investments at Aditya Birla Capital, I manage treasury operations and derivatives portfolios for one of India's largest conglomerates ($112Bn+ Market Cap). I've generated ₹50L+ in incremental income through fund optimization and was recognized as "Idea Machine" — Quarterly Top Performer by the CIO.

I'm a CFA Level 2 candidate with certifications in equity derivatives, research analysis, and UAE taxation — and one clear destination: a high-impact finance role in Dubai or Europe.

CA
All levels
1st attempt
CFA
L1 cleared
L2 candidate
PPO
UBS
Received
English Hindi Gujarati Chess Player Solo Traveller Volleyball 10K+ LinkedIn
02 · Experience

Where I've Built Things

Finance Manager 🏆 Idea Machine Award Oct 2024 – Present
Aditya Birla Capital / ABSLI
Finance Manager – Investments · Mumbai · $112Bn+ Conglomerate
  • Recognized with Quarterly Top Performer Award by CIO under the "Idea Machine" category for performance excellence and financial innovation.
  • Managed treasury operations and optimized fund utilization, generating incremental income of ₹50L+ through improved liquidity deployment.
  • Calculated hedge effectiveness, offset ratios, and valuations of OTC derivatives (FRA) to support risk management and regulatory reporting.
  • Valuations of bonds, money market securities and structured instruments — providing accurate, timely insights to senior management and regulators.
  • Built and maintained strong relationships with brokers, custodians, and intermediaries ensuring smooth execution across settlement cycles.
  • Prepared and presented Investment & Treasury MIS reports to senior management with actionable portfolio analytics and performance insights.
Finance Analyst PPO Received ✓ Feb 2023 – Aug 2024
UBS Investment Bank
Finance Analyst – Leveraged Finance · Pune · Swiss Global IB
  • Contributed to the corporate lending team covering Special Situation Group (SSG), Leveraged Capital Markets (LCM), and Risk Management.
  • Single-handedly performed analytical reviews, variance analysis, and GAAP analysis of financial statements for investment banking products.
  • Automated multiple reports and controls, saving 3+ man-hours daily through Python and Excel-based workflow improvements.
  • MTM validation, trend analysis, and P&L reporting under IFRS 9 and IFRS 15 with precision and timeliness across global ledgers.
  • Collaborated with onshore teams across US and EMEA on deal reviews, risk escalations, and critical issue resolution under tight timelines.
  • Awarded Pre-Placement Offer (PPO) — recognition of consistent technical excellence and business impact across 18 months.
CA Articleship Jun 2021 – Jan 2023
Parikh & Associates
Article Assistant – CA Firm · Ahmedabad · Leading Practice
  • Executed statutory audits across Manufacturing, Real Estate, Finance and Healthcare for companies with turnovers of ₹50–400 crores.
  • Handled Concurrent Audit of a Foreign Bank — reviewing corporate loans, trade finance, and personal banking functions.
  • Led FP&A: preparation and finalization of financial statements from scratch for regulatory and financing purposes.
  • GST return filing, income tax planning and compliance, and direct/indirect tax advisory across sectors.
  • Delivered special projects: Technical Economic Viability Reports, Project Financing, Real Estate Compliance, and Pre-Audit engagements.
Independent 2022 – Ongoing
Professional Freelancing
Finance Consultant · Independent · Advisory & Compliance
  • Providing finance, advisory, compliance, and taxation services to small businesses and individuals seeking professional financial guidance.
  • GST compliance, income tax filings, bookkeeping, and financial statement preparation for growing ventures.
  • Advisory on business structuring, project financing feasibility, and regulatory compliance across sectors.
03 · Skills

What I Bring

🏦
Treasury & Derivatives
OTC derivatives (FRA) valuation, hedge effectiveness, fund optimization, liquidity management.
📋
IFRS Reporting
P&L under IFRS 9 & 15, MTM validation, variance analysis, GAAP financial statement review.
💎
Valuation
DCF, bonds & money market instruments, equity, relative valuation. CFA-level analytical rigor.
📊
Power BI
MIS dashboards, DAX measures, investment performance reporting, KPI monitoring for leadership.
🌐
Capital Markets
Equity, fixed income, leveraged finance, derivatives. Real experience across IB and buy-side.
🐍
Python · Excel · SAP
pandas for automation, advanced Excel modelling, VBA, SAP and Tally ERP proficiency.
⚖️
Risk Management
Scenario analysis, portfolio risk, credit analysis across SSG and LCM deal structures.
🧾
Tax & Compliance
GST, Income Tax, UAE VAT & Corporate Tax. Statutory audit, concurrent audit, regulatory filings.
04 · Certifications

Verified Credentials

📈
SEBI / NISM
NISM VIII – Equity Derivatives
Equity derivative instruments, trading, settlement, and risk framework under SEBI regulations.
Score: 90 / 100
🔍
SEBI / NISM
NISM XV – Research Analyst
Securities research, financial analysis, and regulatory framework for capital market research professionals.
Score: 78.75 / 100
🎓
CFA Institute
CFA Level 1 — Passed
Passed May 2025. Currently pursuing Level 2 with focus on equity valuation, fixed income, and portfolio management.
Score: 1760 / 1900
🏗️
CFA Institute
Financial Modelling
CFA Institute certified program covering DCF, scenario analysis, and sensitivity tables for professional analysts.
📉
Zerodha
Technical Analysis & Futures Trading
Chart patterns, technical indicators, futures strategies, and practical derivatives trading methodology.
🇦🇪
UAE
UAE VAT & Corporate Tax
UAE Federal Tax Authority framework — VAT compliance, corporate tax filing, and financial reporting under UAE regulations.
05 · Education

Academic Foundation

Professional · ICAI
Chartered Accountant
Institute of Chartered Accountants of India
Jul 2019 – Jul 2024
All three levels cleared in first attempt. Comprehensive training across Finance, Audit, Tax, Law, and Strategic Management.
Final: 380/600 (63%) 4 Exemptions Inter: 444/800 (55%) Foundation: 273/400 (68%)
Global · CFA Institute
CFA Program
CFA Institute, USA
Level 1: May 2025 · Level 2: In Progress
CFA Level 1 cleared with score of 1760/1900. Pursuing Level 2 with focus on equity valuation, fixed income, and portfolio construction.
Undergraduate
B.Com – Accounting & Finance
Gujarat University, Ahmedabad
Jul 2019 – Jul 2022
Accounting, Economics, Business Law, Finance. GPA: 7.31/10. Strong analytical foundation running parallel to CA articleship.
06 · Beyond the Desk

Achievements & Impact

🎤
Algo Trading Research Paper
Presented research on Algorithmic Trading at CA Conference, Vasai (Mumbai) in front of 800+ audience.
🏆
"Idea Machine" – CIO Award
Quarterly Top Performer recognition by the Chief Investment Officer at Aditya Birla Capital for outstanding contributions.
🌐
Guest Speaker · 10K+ Network
Invited across multiple sessions guiding CA aspirants and young finance professionals. 10,000+ LinkedIn followers.
❤️
Robinhood Army Volunteer
Active volunteer with the Robinhood Army — redistributing surplus food to the underprivileged across Indian cities.
✈️
Solo Traveller
Exploring the world solo — one city, one market at a time. Next stop: Dubai and European financial centers.
♟️
Chess & Volleyball
Chess for strategic thinking; volleyball for team dynamics. Both directly inform how I approach complex financial problems.
07 · Finance Lab

Tools I'm Building

Finance professionals should also be builders. This lab will host practical, no-nonsense finance tools — calculators, models, and planners built for real decision-making. Each tool below is under active development.

💰
Soon
Purchase Power Calculator
Inflation-adjusted real purchasing power. Compare ₹ today vs ₹ tomorrow across asset classes.
🧾
Soon
Invoice Generator
Professional GST-ready invoice creation for freelancers and finance consultants. PDF export included.
📊
Soon
SIP Return Calculator
Visualize SIP wealth creation with CAGR, step-up SIP options, and market return scenarios.
📅
Soon
Budget Planner
50/30/20 rule-based personal budget planner with smart category breakdowns and savings projections.
📉
Soon
DCF Valuation Model
Simple DCF tool with WACC, terminal growth rate assumptions, and a sensitivity analysis table.
🏦
Soon
Bond Yield Calculator
Price-yield relationship, duration, convexity — built from real fixed income experience at UBS and ABSLI.
08 · Personal Brand

Content & Community

LinkedIn · Active
Finance Insights & Career Stories
Perspectives on capital markets, investment careers, CFA preparation, and what it truly takes to build a global finance career from ground up. 10,000+ professionals follow this journey.
Visit Profile →
Telegram · Community
WhyBharat — Finance & Ideas
A Telegram community sharing finance insights, market notes, CA/CFA prep resources, and real-world career experiences for aspiring finance professionals.
Join Community →
YouTube · Coming Soon
Finance Education & Deep Dives
A channel making finance genuinely understandable — CFA curriculum breakdowns, market analysis, and career advice from someone who has lived the journey from Gujarat to global IB.
Channel Launching Soon →
Instagram · Personal
Life, Travel & Finance
Behind-the-scenes of a finance life — solo travels, chess moments, conference highlights, and occasional market thoughts. The human side of the CV.
Follow →
09 · Contact

Let's Connect

Open to conversations about global finance roles, investment opportunities, CFA prep, market insights, and everything in between. Recruiters, mentors, and fellow finance professionals — welcome.

Emailrajatiyabharat@gmail.com
Dubai (UAE)+971 55 916 3224
India+91 973 756 4362
LinkedInlinkedin.com/in/bharatrajatiya
Telegramt.me/whybharat