Financial & Payments Analytics Leader with Forecasting Expertise

SAI ROHITH REDDY KANDALA

*************@*****.*** • New Haven, Connecticut

Summary

Results-oriented Financial and Payments Analyst with 5+ years of experience translating complex financial data into actionable insights, robust forecasts, and executive-level visualizations. Proven expertise in hypothesis-driven analysis, root cause determination, and cross-functional partnership to optimize business strategy and operational efficiency. Eager to leverage analytical rigor, advanced modeling skills (Excel/BI), and storytelling capabilities to drive meaningful business outcomes as a Data Analyst.

Professional Experience

Senior Analyst, Finance & Treasury 2025 – Present

CHASE

Monitored complex, multi-entity daily treasury operations, ensuring 100% on-time settlement of critical funding and investment activities through vigilant cash position oversight.

Engineered and maintained scalable cash flow and liquidity forecasting models (weekly to quarterly cadence), successfully improving forecast accuracy by 15–20% to enable proactive strategic funding decisions.

Conducted rigorous analysis and reconciliation of treasury transactions, reducing reconciliation discrepancies by 25% by identifying control gaps and implementing automated reconciliation steps.

Developed sophisticated scenario-based financial models to evaluate complex funding strategies, capital structure changes, and systemic stress scenarios, directly informing executive strategic planning.

Authored comprehensive data packs and analytical reports supporting critical stakeholder reviews, including rating agencies and investor requests for debt issuances.

Ensured strict compliance by leading ongoing monitoring of securitization and warehouse funding programs against covenants, internal risk frameworks, and regulatory requirements.

Drove reporting efficiency for debt facilities by leading monthly servicer reporting and cash flow reconciliation processes, resulting in a 30% improvement in overall reporting accuracy and timeliness.

Collaborated cross-functionally with Finance, Accounting, Risk, Legal, and Technology teams to streamline critical treasury workflows, reducing overall manual data manipulation effort by 20%.

Executed in-depth liquidity stress testing and sensitivity analysis under adverse market scenarios to proactively identify funding risks and develop robust contingency funding plans.

Designed and implemented automated reporting solutions using advanced Excel techniques to present key liquidity metrics, facilitating clearer data exploration for leadership.

Payments Financial Analyst Consultant June 2020 – December 2023

KOTAK MAHINDRA BANK

Analyzed high-volume payments data (Cards, UPI, Net Banking) across transaction volumes, costs, and fee revenue streams to develop data-driven strategies that improved contribution margins by 8–12%.

Built and iterated complex financial and forecasting models projecting payment acceptance rates and revenue trends, achieving 15%+ accuracy to support business cases for new product roadmap initiatives.

Conducted deep-dive variance analysis comparing actual performance vs. forecast across key KPIs, uncovering root causes of cost leakage and enabling corrective actions that reduced leakage by 10%.

Developed executive-ready dashboards and MIS reports leveraging BI tools to visualize payment performance, fraud metrics, and profitability, decreasing manual reporting effort by 25% and enhancing stakeholder data access.

Partnered effectively with Product Managers and Technology teams to translate strategic payment requirements into measurable financial metrics and scalable reporting solutions.

Utilized hypothesis-driven analysis on payment acceptance/decline reasons and fraud trends, recommending operational improvements that successfully increased overall authorization rates by 3–5%.

Provided comparative financial analysis on payment gateways, issuers, and networks to optimize processor allocation and routing strategies, directly improving transaction success rates.

Constructed scenario and sensitivity models to rigorously assess the financial impact of proposed pricing changes and new payment methods, directly informing strategic growth initiatives.

Education

Master of Science in Business Statistics 2024 – June 2025

SACRED HEART UNIVERSITY

Additional Skills

Data Analysis & Visualization: Data Storytelling, Executive & Investor Reporting, Hypothesis-Driven Analysis, MIS & Performance Dashboards, Root Cause Analysis, Scenario & Stress Modeling, Variance Analysis

Analytical & BI Tools: Advanced Excel, Data Integrity & Quality Assurance, Power BI, Process Automation & Optimization, Tableau

Financial & Domain Expertise: Capital Structure Analysis, Cash & Liquidity Management, Cash Flow Forecasting, Contribution Margin Analysis, Financial Modeling & Forecasting, Funding Strategy, Payments Analytics (Cards, UPI, Net Banking), Securitization & Structured Funding, Transaction Cost & Revenue Analysis

Stakeholder Management: Cross-Functional Collaboration (Finance, Risk, Product, Tech), Stakeholder Management, Translating Complex Analytics

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