Financial Analyst - NAV, FP&A, IFRS 9, SQL/Python Expertise

ANURAG PRAKASHSINGH TOMAR

Massachusetts, USA 857-***-**** **********@*****.*** LinkedIn

SUMMARY

Financial Analyst with 4+ years of experience across investment management, banking, and financial services, specializing in fund accounting, FP&A, and risk analytics. Proven expertise in NAV validation, performance attribution, regulatory reporting, and IFRS 9 credit risk modeling. Strong background in SQL, Python, and BI tools to automate reporting and enhance data accuracy. Adept at financial reconciliation, compliance, and stakeholder reporting, with a consistent focus on improving processes, strengthening controls, and delivering actionable financial insights.

SKILLS

Financial Analysis & FP&A: P&L Analysis, Variance Analysis (Budget vs. Actuals), Budgeting & Forecasting, Expense Accruals, Cost Allocation (Activity-Based Costing), Revenue & Ledger Reconciliation, Profitability Analysis, Financial Planning & Analysis Investment & Fund Analytics: NAV Calculation & Validation, Fund Accounting, Performance Attribution (Allocation, Selection, Interaction), Portfolio Performance Analysis, Benchmarking, GIPS Reporting, Liquidity Risk Analysis Risk, Regulatory & Compliance: IFRS 9 (ECL – PD, LGD, EAD), Basel III (RWA, Capital Adequacy), SEC Reporting (13F, N- PORT), SEC Rules (2a-4, 22e-4), APRA (APS 220), SOX Compliance, AML/KYC, Risk Reporting & Regulatory Filings Data Analysis & Programming: SQL (T-SQL, PL/SQL), Python (Pandas, NumPy, openpyxl), VBA Macros Reporting & Visualization: Tableau, Power BI, MicroStrategy, Advanced Excel (Pivot Tables, Power Query) Financial Systems & Tools: SAP FICO, Oracle Financials, Bloomberg Terminal, FactSet Analytics, Murex Reconciliation & Controls: NAV & Cash Reconciliation, Custodian vs. Internal Data Matching, Break Resolution, Invoice Reconciliation, Internal Controls (SOC 1), Audit Support & Compliance Planning, Forecasting & Modeling: Scenario Modeling (Base, Optimistic, Pessimistic), Cost Forecasting, Revenue Projections Soft Skills: Stakeholder Communication, Cross-Functional Collaboration, Analytical Thinking, Process Improvement, Attention to Detail, Agile Methodology

EXPERIENCE

State Street Corporation Boston, MA, USA

Financial Analyst Jan 2025 - Present

• Managed daily NAV calculation and validation for 14 institutional mutual funds and ETFs with total AUM of $9.2B, consistently meeting the 0.01% accuracy threshold in line with SEC Rule 2a-4 requirements.

• Developed a Python-based reconciliation solution using Pandas and openpyxl to match custodian position files with internal fund accounting records, reducing overnight break resolution time from 4 hours to 45 minutes.

• Produced daily and monthly performance attribution reports in FactSet Analytics, breaking down fund returns into allocation, selection, and interaction effects for portfolio managers and institutional stakeholders.

• Prepared monthly expense accruals covering management fees, administrative costs, and SEC 12b-1 fees, ensuring alignment with fund prospectus limits and escalating exceptions to compliance.

• Supported GIPS composite reporting by validating composite construction, asset-weighted returns, and calculating three-year annualized standard deviation across 8 investment strategies.

• Partnered with the Transfer Agency team to reconcile subscription and redemption activity, ensuring accurate same-day cash settlements and resolving discrepancies impacting NAV.

• Compiled and submitted quarterly 13F and N-PORT filings by aggregating holdings data, Bloomberg pricing, and corporate actions, ensuring timely and accurate regulatory reporting to the SEC.

• Built a Tableau dashboard to monitor fund liquidity metrics, including bid-ask spreads, days-to-liquidate, and cash buffer ratios, enabling daily liquidity risk assessment under SEC Rule 22e-4.

• Assisted in preparing quarterly client reports and board presentations by synthesizing performance metrics, benchmark comparisons, and market insights into structured deliverables.

• Identified and resolved a dividend reinvestment pricing issue causing a 0.003% NAV discrepancy across 3 funds; led root cause analysis, coordinated corrections, and updated SOC 1 control documentation. Infosys Ltd. (Client: National Australia Bank) India Analyst Engineer – Financial Services Dec 2021 - Jul 2023

• Contributed to the development and validation of an IFRS 9 Expected Credit Loss (ECL) engine supporting AUD 38B in retail mortgage and personal loan portfolios across Stage 1, 2, and 3 classifications.

• Developed PL/SQL scripts to automate monthly extraction of loan-level data from the Hogan core banking system, transforming raw transactional data into structured staging tables for downstream ECL processing.

• Performed monthly reconciliation of ECL provision movements, including new originations, stage transfers, and write-offs, and prepared clear commentary for Group Finance and External Reporting teams.

• Built a Python (Pandas) validation pipeline to assess ECL model outputs against regulatory thresholds, generating exception reports for deviations exceeding 5% from prior-month baselines without supporting drivers.

• Partnered with the Risk Analytics team to back-test Probability of Default (PD) and Loss Given Default (LGD) assumptions using 24-month rolling historical data, supporting annual model recalibration.

• Prepared APRA regulatory returns under APS 220, ensuring accurate classification of non-performing exposures and timely submission in line with compliance requirements.

• Designed Power BI dashboards for senior finance stakeholders, providing visibility into ECL trends by product segment, geography, and credit risk rating to support provisioning decisions.

• Supported Basel III capital adequacy reporting by preparing Risk-Weighted Asset (RWA) data packs, ensuring alignment between IFRS 9 provisioning and Pillar 3 disclosures.

• Assisted in external audit cycles by developing reconciliation schedules mapping system-generated ECL balances to statutory financial statements.

• Identified and corrected a data mapping issue in loan classification logic that misclassified AUD 210M in performing loans as Stage 2, preventing material overstatement of provisions. Tata Consultancy Services (TCS) India

Associate Financial Analyst Jul 2020 – Nov 2021

• Built an automated P&L reporting framework using Excel VBA and SQL, reducing the monthly close cycle from 7 days to 3 days across 12 internal cost centers.

• Developed parameterized T-SQL stored procedures to extract and consolidate SAP FICO ledger data into a centralized database, eliminating 18+ hours of manual effort per reporting cycle.

• Conducted detailed budget vs. actual variance analysis across IT infrastructure, manpower, and vendor expenses, identifying a 14% cost overrun in Q3 2020 and enabling timely budget correction.

• Designed a dynamic cost allocation model in Excel using activity-based costing, improving the accuracy of business unit profitability reporting by 22% across 6 units.

• Created monthly MIS reports and Tableau dashboards to track headcount costs, travel expenses, and project utilization, supporting senior management decision-making.

• Partnered with the accounts payable team to reconcile 200+ monthly vendor invoices, uncovering duplicate billing worth INR 4.2M and ensuring recovery.

• Supported annual budgeting and forecasting by consolidating inputs, validating assumptions against historical data, and building scenario models (base, optimistic, pessimistic) for FY 2021–22 planning.

• Assisted in audit and compliance activities, including fixed asset audits and SOX reviews, resolving 35 asset discrepancies and preparing control documentation across 4 financial processes. ACADEMIC PROJECT

Enterprise Risk Management for Qlik Cloud Entry

• Conducted an enterprise risk assessment to support Qlik’s cloud entry initiative, evaluating regulatory, operational, data security, and financial risk factors. Developed interactive governance dashboards to monitor risk exposure, enabling structured reporting, improved visibility, and informed decision-making for stakeholders. EDUCATION

Master of Professional Studies in Analytics GPA: 3.8/4.0 Northeastern University, Boston, Massachusetts, USA Bachelor of Engineering in Computer Science

University of Pune, Maharashtra, India

CERTIFICATIONS

• Microsoft Certified: Power BI Data Analyst Associate (PL-300) – Microsoft

• Bloomberg Market Concepts (BMC) – Bloomberg LP

Contact this candidate