Finance & FP&A Analyst (MBS Valuation Control)

Kush Bhatt

551-***-**** *********@*****.*** LinkedIn

SUMMARY

Finance professional with 4+ years of experience across financial analysis, FP&A, valuation control, capital markets operations, and mortgage finance. Experienced in supporting fixed income and mortgage-backed securities (MBS) portfolios, performing reconciliations, risk analysis, financial reporting, and valuation reviews in highly regulated financial environments. Skilled in translating complex financial and market data into actionable insights while improving operational controls, reporting accuracy, and month-end close efficiency through automation and analytics. Proficient in SQL, Power BI, SAP, Bloomberg, and advanced Excel.

TECHNICAL SKILLS

Financial Analysis & FP&A: Financial Reporting, Budgeting & Forecasting, Variance Analysis, KPI Reporting, Month-End Close, Cash Flow Forecasting, Working Capital Management, Financial Planning & Analysis (FP&A) Capital Markets & Mortgage Finance: Mortgage-Backed Securities (MBS), Fixed Income Securities, Valuation Control, Independent Price Verification (IPV), Portfolio Analysis, Liquidity Monitoring, Risk & Exposure Analysis, Fair Value Hierarchy Banking & Operations: Trade Lifecycle Management, Reconciliation, Settlements, OTC Derivatives, FX & Money Markets, SWIFT Messaging, FIX Protocol, Treasury Operations, Corporate Actions, Operational Risk Financial Modeling & Analytics: DCF Modeling, Three-Statement Modeling, Scenario & Sensitivity Analysis, Trend Analysis, Pricing Analysis, Financial Statement Analysis, Process Automation Tools & Technologies: SQL, Power BI, Tableau, SAP, Bloomberg Terminal, Capital IQ, PitchBook, Python, Microsoft Excel

(Advanced Formulas, Pivot Tables, Macros), PowerPoint EXPERIENCE

Financial Analyst Freddie Mac USA May 2025 - Present

• Supported financial analysis, valuation review, and reporting activities for mortgage-backed securities (MBS), fixed income instruments, and capital markets portfolios.

• Performed independent price verification (IPV), valuation control, and reconciliations using Bloomberg, Capital IQ, and internal pricing systems to ensure pricing accuracy and regulatory compliance.

• Produced daily and month-end financial, exposure, and variance reports for finance, trading, and risk management teams.

• Conducted scenario and sensitivity analysis to support liquidity monitoring, capital planning, and risk oversight initiatives.

• Maintained fair-value hierarchy classifications and valuation documentation for audit and regulatory reporting purposes.

• Automated reporting and reconciliation workflows using SQL and Power BI, reducing manual effort by 30% and improving reporting turnaround time.

• Collaborated with finance, treasury, operations, and risk teams to improve reporting processes, strengthen controls, and enhance data quality.

• Supported month-end close activities and management reporting by consolidating and analyzing large financial datasets. Associate Consultant BNP Paribas Mumbai, India June 2021 - June 2023

• Supported end-to-end middle and back-office operations across FXMM Cash, Forwards, NDFs, OTC derivatives, fixed income securities, and equity-linked instruments, ensuring accurate trade capture, confirmation, and settlement.

• Performed daily reconciliations of trades, cash, nostro, depot, and positions; investigated unmatched and failed trades, pricing discrepancies, FX breaks, coupon/dividend differences and settlement issues, reducing breaks and settlement risk.

• Managed lifecycle events such as corporate actions, rate resets, maturities, and option expiries, ensuring accurate accounting entries and timely cash movements while minimizing booking errors across global portfolios.

• Utilized SWIFT (MT/MX) and FIX workflows to validate confirmations, settlement instructions, and counterparty details, enabling prevention of mis-bookings, mis-settlements, and SSI errors across global markets.

• Partnered with Front Office, Middle Office, Treasury, Controllers, custodians, and external counterparties to resolve breaks and ensure timely settlement, building strong stakeholder relationships in a high-volume trading environment.

• Enhanced reconciliation and exception-management processes, reducing settlement exceptions by 30% and improving STP rates, acting as a change agent to enhance controls and free capacity for higher value work.

• Monitored and improved daily risk and control frameworks by tracking fails, exposure and exception trends, escalating potential issues early, contributing to a stronger control environment for post-trade and securities-financing activities. Jr. Financial Analyst Seagate India Jan 2020 - May 2021

• Rebuild enterprise revenue forecasting frameworks by integrating SAP financial datasets, advanced Excel models, and SQL based reporting systems, strengthening budgeting accuracy, financial planning, and reducing variance by 9%

• Modeled pricing strategies, revenue growth scenarios, and recurring-revenue forecasts using Excel, Python analytics, and statistical techniques, improving revenue predictability by 10%.

• Built automated Power BI dashboards and SQL driven reporting pipelines, accelerating the monthly close-to-report cycle, reducing manual effort by 12%, and improving reporting efficiency

• Conducted detailed budget vs actual variance analysis using SAP, Tableau, and financial reporting tools to identify forecasting gaps and enhance financial planning accuracy.

• Forecasted cash flow, liquidity positions, and working capital requirements using SAP and SQL analytics, reducing cash- flow variance by 11% and supporting strategic treasury decisions.

• Analyzed customer segments and demand trends using Python and Excel-based modeling, driving a 7% improvement in pricing strategy and supporting targeted revenue growth initiatives.

• Collaborated with finance, accounting, and business stakeholders to deliver data-driven financial insights, KPI reporting, and performance analysis that supported executive decision-making and operational planning. EDUCATION

Master of Science in Finance Stevens Institute of Technology Hoboken, NJ, USA Sep 2023 - May 2025 Master of Commerce University of Mumbai India July 2020 - May 2022 Bachelor of Commerce in Accounting and Finance University of Mumbai India Aug 2017 - Mar 2020 Chartered Wealth Manager (Level 1 & Level 2) American Academy of Financial Management May 2018 - Jan 2019 CERTIFICATIONS

Bloomberg Market Concepts (BMC) Investment Foundations Certificate - CFA Institute NISM Series XV – Research Analyst

Contact this candidate