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Jyotsna Sharma is a Credit Analyst at RATNAAFIN, specializing in credit underwriting for SME clients and financial analysis. Jyotsna previously worked as a Senior Executive at OYO, where Jyotsna established finance processes for European countries and ensured accurate MIS reporting. Jyotsna holds a CA degree from The Institute of Chartered Accountants of India and a Bachelor of Commerce degree from Mohanlal Sukhadia University.