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Jeenal Desai is a partner at K D N & ASSOCIATES LLP and also serves as the Credit Head at RATNAAFIN. In addition, Desai is a Co-Founder at Orange38 Solutions and previously worked as a Partner at NSJD & Associates. Desai has experience in equity and debt fund raising, business valuations, start-up management, credit ratings, audit, and assurance services. Prior to these roles, Desai was a Practicing Chartered Accountant during a period of self-employment and an Analyst at Credit Analysis & Research Ltd. Desai holds a CA degree from The Institute of Chartered Accountants of India and a Bachelor of Commerce degree from Ahmedabad University.