Apr 2019 – Dec 2023 · 4 yrs 8 mos

Apr 2019 – Jul 2023 · 4 yrs 3 mos

• Financial Reporting and Analysis, Budgeting and Forecasting

Jul 2018 – Apr 2019 · 9 mos · Mumbai, Maharashtra, India

• Financial Reporting and Analysis
• Reporting on financial performance, analyzing past results, performing variance analysis; identifying trends, and make recommendations for improvements.
• Working closely with the accounting team for monthly closing and finalization of accounts. Activities involves scrutiny of ledgers, scrutiny of capital expenditure, calculating provision for depreciation, scrutiny of provisions for expenses, intercompany reconciliations, balance sheet review, scrutinizing bank reconciliations etc.
• Assisting statutory GST filing and ensuring timely statutory payments (TDS, GST, PF, PT) for accurate financial reporting and decision support.
• MIS and Management Reporting
• Preparing and analyzing various financial Reports such as Monthly P&L, Cash flow, Debtors and Creditors ageing reports measuring performance by comparing and analyzing actual results with budgets and forecasts.
• Recommending actions for optimization by analyzing and interpreting data and making comparative analyses; study proposed changes in methods and materials.
• Identifying and driving process improvements and implementing various management projects.

Mar 2018 – May 2018 · 2 mos · Online Project

• Scope: Gained Exposure on Stock Market return analysis and results visualization using Python.
• To study and equip with the fundamentals of Python Programming and then proceed to learn about the various core libraries used in the Py-Finance Ecosystem including jupyter, numpy, pandas, matplotlib, statsmodels.
• To perform a simulation on stocks and stock cumulative returns as well as fit their data to a mathematical model and do projections for future returns.
• Core Concepts learned: Financial Statistics, such as Daily Returns, Cumulative Returns, Volatility, etc..
• Pandas Time Series Analysis Techniques, Efficient Data Analysis, Correlation Plots, Technical Analysis, Exponentially Weighted Moving Average

Aug 2017 – May 2018 · 9 mos · Doha, Qatar

• Financial Planning and Analysis
• Analyzing financial data and extracting, defining relevant information; interpreting data for the purpose of determining past financial performance and/or to project a financial probability.
• Performing statistical, costs, and financial analysis of data reports available in the various financial systems.
• Developing financial reports for forecasting, trending and variance analysis.
• Using various software applications, such as MS Excel, Access, PowerPoint, relational data bases, statistical packages such as R studio to assemble and format data and reports.
• Coordinate with financial institutions for documentation on financing requirements.
• Budgeting and Forecasting
• Preparing annual & long term financial plan and budget, including budgetary forecasting.
• Assists in the preparation & compilation of the divisional operational annual budgets. Monitoring and controlling expenses and providing reports on an ongoing basis and ensuring budgetary compliance.
• Analyzing variances to forecast and previous period results for each company in the group and maintaining and updating the KPI system.
• Management Reporting, Technical and Statistical Analysis:
• Taking briefs from Divisional Managers and preparing feasibility studies for projects as required.
• Using various tools such as Fibonacci, Candlesticks patterns, combo-strategies and indicators to facilitate production of technical analysis reports on major currency pair such as EUR/USD to the CFO and present information about the best exchange rates and investment decisions to be taken.
• Exploring and examining data from multiple data sources and performing statistical analysis by using various statistical techniques such as Correlation analysis, Regression models, p-value, etc

Aug 2012 – Apr 2017 · 4 yrs 8 mos · Mumbai Area, India

• Financial Analysis
• Conducting financial analysis of risk exposure through Net Operating Income, value at risk (VaR) scenarios, Debt Service ratios(DSCR), DTI ratios, capitalization rate analysis, discretionary cash flow analysis for business credits.
• Analyzing historical trends by analyzing working capital changes, cash flow analysis, EBITDA growth trend and interpreting on liquidity, turnover, profitability and leverage ratios.
• Credit Analysis, Underwriting, Audit and Compliance
• Evaluating credit risks through Front-End/Back-End/ DTI Ratios, residual income calculations, FICO scores, bank/credit ratings scales, credit history, mortgage late payments, LTVs, maximum LTV, payment shocks, etc. and assessing compensating factors that may mitigate risk associated with the loan file and assessing credit worthiness of client.
• Examining credit scores, repayment ability, red flags, identifying potential risk, fraud or misrepresentation, open and closed liens records based on credit history available through credit reports, bank statements and income statements
• Management Reporting
• Over sighting credit and operational risks at an organizational level by preparing various cross functional MIS Reports showing KPIs which involves extensive use of MS Excel with advanced excel functions like VLookup, Index-Match combo, VBA-forms, Macros (for Automation), Pivot table, Power Pivot table and Power BI tool (for creating interactive dashboards), etc. with adequate communication with the top management.
• Responsible for managing R2R Function by analyzing the limit violations to top management and explaining resolutions of limit breaches to ensure progress, issues and agreements are properly documented and acted upon.

Aug 2011 – Aug 2012 · 1 yr · Mumbai Area, India

• Financial Planning and Analysis
• Preparing the division-wise Profit and loss statement, budgets allocation reports, account reconciliations and other financial reports to keep track of financial performance.
• Giving PowerPoint presentations on weekly/ fortnightly basis with significant suggestions which can help in improving the company’s performance, either by improving revenues or by decreasing expenses.
• Assist in preparing Monthly, Quarterly and Yearly strategic plan on Retail Calendar & execution of other projects impacting business improvement.
• Analyzing the store performance in terms of sales, stock turnover, return on investment, profitability & other operational parameters such as walk-ins, conversion, Ticket size, etc.
• Identifying the areas of improvements for stores which are not performing and can perform better operating at a particular scale or division.
• Budgeting, MIS and Financial Reporting
• Preparing budgets Analyzing financial performance for the Franchise Business Units using various techniques such as NPV, IRR, Sharpe Ratio, Variance Analysis, Payback period, etc
• Emphasis on budgeting cost controlling through forecasting future financial projections and modeling various financial statements
• Handling preparation of MIS reports and reconciliation function as well as undertaking analysis for key indicators to assist Senior management.
• Tasks involves extensive use of MS Excel advanced functions especially Excel VBA programming with loop functions, Macros, Logical operators, Pivot table, etc and use MS Access for creating data objects such as Table, Forms, Queries and Reports.
• Overseeing administration of the department and maintaining coordination between various internal departments for smooth functioning.

May 2010 – Jun 2010 · 1 mo · Mumbai Area, India

• Scope: Gained Practical Exposure of Capital Expenditure Operations.
• Key Responsibility:
• To study & ensure adequate funding and minimize cost of operations and implementation of projects under the Capex Programme of the company.
• To ensure compliance with statutory requirements along with norms and procedures as laid down by the MSEB.
• To study a fund raising plan and initiate processes for funding of five year Capex Plan at competitive rates, including plan for repayment of loans through revenues.
• To ensure timely disbursal of loans from Financial Institutions for Capex Programme.
• To study and analyze the impact of funds raised from equity and banks term loans to fund Capital expenditure.