Finance Analyst with Risk & Analytics Focus

SHRUTI LAD

New York (Open to Relocate) 425-***-**** ***********@*****.*** linkedin.com/in/shruti-lad- PROFESSIONAL SUMMARY

Finance Professional with 2+ years of experience in financial analysis, risk control, and client operations. Expertise in anticipating and mitigating risk through quantitative techniques, including Monte Carlo simulation and covariance analysis for budgeting and scenario modeling. Strengthened risk mitigation by designing a six-check Excel control tracker that identified and resolved recurring discrepancies, leading to a 15% reduction in vendor escalations. Proficient in tools like SAP, Oracle 11i, Power BI, and Bloomberg Terminal for risk reporting and data accuracy. WORK EXPERIENCE

Strategy Intern University at Buffalo, NY, US September 2025 - Present

• Led a team that analyzed client cost behavior, OPEX and CAPEX trends, and revenue drivers through financial models to understand and work on profitability opportunities.

• Applied a constructive challenge approach to budgeting methods, building KPI dashboards to evaluate best-case worst-case scenarios & quantifying impacts on cash flow for a tangible solution for overall financial performance.

• Developed and executed marketing strategies by enhancing website presence and implementing customer feedback systems to strengthen engagement and conversion tracking. Financial Analyst Johnson Controls, India September 2022 - June 2024

• Managed over $2M in annual disbursements as part of the Procure-to-Pay (P2P) team, ensuring high accuracy for critical payments and resolving discrepancies using two-way and three-way matching in SAP and Oracle 11i.

• Created a six-check tracker using Excel to identify historical error patterns and avoid future discrepancies resulting in improved in payment term and a 15% reduction in vendor escalations.

• Built a Power BI dashboard to detect process inefficiencies, analyze recurring defect patterns and track root causes. Delivered weekly working capital reports with trend analysis that improved the project’s payback period.

• Enhanced the quality and speed of month-end reporting by standardizing templates and automating data extraction, using Excel VBA (Macros) reducing manual workload by 30%.

• Released blocked invoices and reduced payment delays by troubleshooting workflows with IT, consistently clearing resolver group ticket items. Trained 10+ new hires on the AP system, ensuring process continuity during temporary operational shutdown.

Finance Intern Ready Wealth, India December 2021 - February 2022

• Developed forward-looking financial models and sensitivity analysis to evaluate portfolio performance and market risk under various macroeconomic scenarios, directly informing portfolio construction decisions.

• Streamlined Bloomberg data and standardized client reports to improve reporting consistency and accuracy. PROJECTS

Next-Gen Python Analytics Dashboard for Market Sentiment and Risk Forecasting

• Engineered a Python Analytics Dashboard for Investment Management by integrating Black-Litterman optimization and Quantitative Analysis for strategic decisions, ran Monte Carlo simulations to test 20,000 portfolio combinations, applied stress testing & scenario analysis to refine returns, and visualized risk and correlation heatmaps in Streamlit. Private Credit Risk & Loan Underwriting: Portfolio Risk Decision

• Evaluated a $17M funding request by analyzing cash flow trends, liquidity ratios, and turnover metrics to assess repayment capacity. Examined leverage and coverage ratios, collateral strength, and industry sensitivity to quantify credit exposure. Prepared recommendations outlining loan structuring, covenant requirements, and collateral terms. REIT’s Investment Analysis: Nodal Logistics and Custo Bravo (Case Study)

• Built a merger model integrating pro-forma financials, sensitivity scenarios, and valuation multiples to assess deal structure. Conducted investment analysis using DuPont decomposition and ratio analysis (ROE, ROA, margin, asset turnover) to evaluate post-merger efficiency. Recommended improved capital returns and strategic alignment. SKILLS & CERTIFICATIONS

Core: Accounting, Forecasting, Financial Reporting, General Ledger, Balance Sheet Accounts, Journal Entries, Ad Hoc Analysis, Capital Expenditure, Key Performance Indicators, Risk Management, Credit Risk, Financial Modeling, SOX Compliance, Quantitative Risk Modeling (Monte Carlo), Investment Strategies, Underwriting, Global Marketing. Systems: SAP, Oracle 11i, SQL, Python, Tableau, Power BI, Proficient in Excel (Formulas and Macros), PowerPoint, Essbase. Soft Skills: Written and Verbal communication, Attention to Detail, Interpersonal Skills, Strong Analytical Skills. Certifications: Bloomberg Market Concepts (BMC), SAP FICO, Agile Project Management, FINRA SIE (In progress). EDUCATION

Master of Science in Finance, Financial Risk Management (FRM), (STEM) August 2024 - December 2025 University at Buffalo - State University of New York, Buffalo, NY Bachelor of Business Administration Banking and Finance August 2018 - April 2021 Modern College of Arts, Science and Commerce, Pune, India

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