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Kartick Ray has worked as a Junior Account Officer at Bharat Sanchar Nigam Limited since August 2019. Previously, they served as a Credit Analyst at CARE Ratings Ltd. starting from September 2017. In this role, they analyzed the current and past financial data and performance of companies.

Kartick Ray has studied at the Institute of Cost Accountants of India, but the specific start year, end year, degree name, and field of study are not provided. Additionally, Ray has obtained a Certificate of Achievement from CARE Ratings Ltd., but the month and year of obtaining this certification are unknown.