Financial Analyst
Avivo Group
مجموع سنوات الخبرة :15 years, 1 أشهر
Responsibilities:
▪ Financial Analysis - Support decision making of Management by performing feasibility analysis, deriving financial impact and recommending action/plan for capital expenditure, new launches, marketing campaigns, tariffs
▪ Business Performance and KPI Reviews - Track Operational KPIs (revenue, footfall, per patient revenue, Pharmacy and Diagnostic conversions, insurance rejections, Dr-wise contributions), lead monthly business performance review meetings with CEO, CFO and Clinic In-charge
▪ Annual Budget - Prepare annual budgets, publish monthly MIS, track revenue & margin variance vs Budget & Last Yr
▪ Board Presentations - Present Group’s performance, explain revenue and cost variance, present industry trends, highlight business achievements, identify internal & external challenges, recommend business performance enablers
Achievements:
▪ Remodeling Home Healthcare - Led the business and financial planning to launch US$0.5Mn Doctor on Call vertical; devised detailed phase-wise project implementation tracker, formulated Operational and Financial KPIs
▪ Business Turn-around Plans - Formulated multiple strategies for US$3.5Mn clinical cluster and recommended the best for implementation based on feasibility, sustainability, and a targeted turn-around period of 2 years
▪ Financial Bid, O&M Contract - Led the financial bidding for managing US$1.1Mn on-site Clinic; devised 5Yr pricing model, reviewed bid documents and legal contract for submission
▪ Tariff Enhancement Proposal - Analyzed center-wise and TPA-wise current tariffs, highlighted care-enhancement initiatives and designed center-wise Insurance Tariff proposal for 10 clinical centers based on client segmentation
www.futuregroup.in
Leading Food and Fashion Retail Company in India with US$3.7Bn+ group revenue and 36, 000+ employees
Responsibilities:
Driving business development initiatives for FMCG business across geographies
Target identification, liaising with potential business partners, preparing business case & execution of Joint Ventures
Achievements:
Closed a JV partnership with a foreign business partner in ‘better for you’ food business (worth US$30Mn) - liaised with heads of retail and food businesses and developed business proposal for board approval (including business rationale, 5-year business plan, budgeting for marketing and manpower, capex planning, cash flow model, sensitivity analysis), managed the drafting of definitive JV agreements
Worked on go-to-market strategy (stores selection based on basket and affinity analysis), maintained product-wise MIS to monitor weekly sales and to analyze expenses as % of sales with the objective of rationalizing costs
Worked on 3 potential JVs (with projected sales over US$150Mn) in snacking and beverage space - liaised with potential foreign business partners, built business cases (building sales projections within group retail stores and through external alliances, analyzing various channel margins, assessing strategy for sourcing, manufacturing, branding, marketing and distribution, performing feasibility study by IRR computation) to assess business opportunity
Evaluated potential acquisition targets for food retail business and logistics business
Built Investor Memorandum & performed valuation of a subsidiary (engaged in publishing comics) for raising funds
Built corporate overview presentations for meetings with investors and strategic business partners
JP Morgan: www.jpmorgan.com
Multinational banking and financial services company with US$95Bn+ group revenue and 240, 000+ employees
Responsibilities:
Preparing pitches and marketing material for Financial Sponsors Group, Asia
Workflow and team management
Achievements:
Performed research and built investment rationale for a buy side pitch in K-12 education space
Built a comprehensive database to track deals in Private Equity space in Asian region, published a weekly newsletter
Maintained a record of client meetings and generated investment ideas to be pitched to the clients
Managed a 2-member team - Prioritized the deliverables and ensured timely and accurate delivery of assigned workflow
Larsen & Toubro: http://www.larsentoubro.com
India based multinational Engineering, Construction & Technology company with US$17Bn+ group revenue and 84, 000+employees
Responsibilities:
Company Valuation and Investment Research for potential acquisitions and divestitures
End to end execution of deals approved by the Board
Achievements:
Conducted company screening and industry research, built valuations models (DCF, relative valuation, IRR models, football field), elaborate business cases and information packs for acquisitions/divestments deals of up to US$1.5Bn in power generation, IT and industrial space
Closed 2 Cross Border transactions - an asset sale in industrial space and a JV in technology space; managed all aspects of the deal including valuation, term-sheet, financial due diligence, legal due diligence, shareholders agreement, share purchase agreement/business transfer agreement, regulatory filings (filing with Competition Commission of India, FCTRS filing regarding remittance to a foreign entity) and final purchase price negotiation/computation Worked on a power sector deal (single customer, single vendor business) - Studied Fuel Supply, Power Purchase and Loan Agreements and carried out detailed valuation exercise incorporating scenarios arising out of the agreements
Built risk analysis reports addressing key risks (client concentration, geography risk, employee and customer retention) and performed scenario analysis for assessing the impact on valuation of targets in IT space
Carried out the financial due diligence investigation of the targets in collaboration with Big 4 audit firm
Liaised with top management of the internal business units and of the counterparties, with investment bankers and legal counsels for various aspects of deal management and achieved deal closure within given timelines
Responsibilities:
Pricing Model for Coal Mining Bids and Thermal Power Bids
Achievements:
Designed the bid valuation model to determine the bidding price based on desired profit margin/RoE
Analyzed bid price sensitivity to key variables (interest rates, inflation, etc) to identify potential risks and their impact
Responsibilities:
Nabha Power Limited (L&T’s Thermal Power Plant in Punjab)
Achievements:
Liaised with banks for drawl of funds and compliance requirements
Prepare and updated Project Information Memorandum for Lenders/Investors meetings
HSBC: www.hsbc.com
British global banking and financial services company with US$48bn+ group revenue and 250, 000+ employees
Responsibilities:
Management of Collections Portfolio of HFC Bank - a subsidiary of HSBC, UK
Achievements:
Formulated Collections Strategies using Statistical Modeling, Risk Segmentation and Decision Trees
Realized bad debts from US$6Bn Secured Loan portfolio by designing a Decision Tree based collections strategy
Generated profits of US$30K by implementing discounting strategy to recover debts from written-off customers
Reduced calling efforts by 10% through a probability model built to increase contacts with the customers
Received Customer Appreciation Award- quarterly award given by On-Shore clients to top 5% employees
www.global-analytics.com
Indian analytics service provider and a fintech company with 250+ employees
Responsibilities:
Portfolio Management for Payday Lending Business for US based clients
Achievements:
Managed US$6.5Mn Lending Portfolio by designing, monitoring and improving Loan Approval strategies
Built risk driven loan approval strategy using Linear and Logistic Regression Models and Decision Trees
Identified new target segments and expanded the sub-prime customer base by US$100K
Responsibilities:
Developing Human Capital Analytics Solutions for Aon Hewitt, a Fortune 100 firm
Achievements:
Identified key factors and created derived variables affecting attrition of human capital in an organization
Forecasted attrition rate in client organizations by identifying attrition patterns based on statistical models in SAS
Identified pivotal employees in client organizations using Cluster Analysis and Segmentation techniques