Financial Analyst FP&A

Nahush Agarkar

917-***-**** **************@*****.*** Linked In

Financial Analyst with 3 years of experience in financial planning and analysis, financial reporting, forecasting, variance analysis, and cash flow management across mortgage finance, automotive, and banking domains. Experienced in managing

$100M+ warehouse capacity, leading month-end close activities, preparing P&L and Balance Sheet reporting, performing MoM and YoY variance analysis, and providing management commentary on key business drivers. Strong track record of identifying cost recovery opportunities, improving financial models and reporting processes, and supporting business decision-making through data-driven analysis. Advanced Excel and Alteryx user with experience in financial analysis, management reporting, process improvement, and automation. Skills and Certificates

Key Skills: FP&A, Financial Reporting, Financial analysis, Forecasting, Variance Analysis, Cash flow management, Management reporting, Process Improvement, Problem Solving, Cost recovery, Stakeholder Management, Collaboration skills Technical Skills: Microsoft Excel (Advanced, VBA/Macros), Alteryx, ERP systems, QuickBooks, Qlik Sense, Tableau, SQL. Certificates: Financial Analysis and Modelling CFI Professional Experience

Financial Analyst RareVS Consulting Solutions (Client: I Fund Cities)

(02/2025 – Present) Location: Bengaluru

Lead month-end interest accruals by reconciling accrued amounts against actual interest collections from borrowers; investigate loan-level variances and coordinate with external loan servicers to resolve discrepancies and ensure accurate financial reporting. Continuously improved internal models and working files to enhance accuracy and efficiency.

Prepare monthly Business Plan by consolidating actuals into P&L and Balance Sheet reporting; perform MoM and YoY variance analysis, deep-dive into significant P&L variances using transaction-level data, and provide management commentary on key business drivers to support decision-making and improve forecast accuracy.

Manage daily mortgage warehouse portfolio covering loan summaries, investor allocations, warehouse balances, trades, funding, draws, and cash movements, providing accurate visibility into $100M+ warehouse capacity.

Execute 25+ daily draw transactions (~$1M/day) for the borrowers and executed ad-hoc fundings across multiple warehouses, ensuring smooth and timely draws disbursements to borrowers. Reconcile funding warehouse interest statements by verifying interest calculations and resolving discrepancies with funding partners and stakeholders.

Prepare investor fee calculations and compliance reports for multiple funding warehouses; identified significant fee recovery opportunities through contractual and historical transaction analysis, calculated recoverable amounts from January 2025 onward, and established recurring remittance processes to support ongoing collection.

Prepare monthly investor distributions based on investment amounts and utilization, along with investor performance summaries covering financial results, key metrics, and market trends to support accurate, timely investor payments.

Conducted financial analysis of real estate investment firms to identify qualified buyers for loan trades, enabling targeted investor outreach and supporting secondary-market loan sale opportunities.

Continuously improve financial models, reporting files, and working processes to enhance accuracy, efficiency, and consistency of recurring financial analysis.

SCF Financial Analyst Ford Motor Company

(08/2023 – 10/2024) Location: Chennai

Led and performed month-end close activities, variance analysis to support management reporting for key raw materials, explained key drivers for variances, and ensured pricing and volume performance were explained with recommendations. Prepared and posted journals and per-unit data in reporting tools.

Performed financial analysis to identify and investigate ad-hoc requests for cost reduction and cost recovery opportunities

– in rare earth metal raw material purchases of $5.6M, recovered $283K VAT paid in excess from suppliers.

Validated material price curves, ensuring compliance with regulatory standards and alignment with market trends.

Managed routine tasks, including verification of MYAs, claims validation in line with policy compliance, resin rebate invoicing, approval requests, documentation and data collection by consistently collaborating with cross-functional teams like the supply chain operations team.

Prepared and reconciled monthly raw material accruals based on price movements and developed cost forecasts using projected raw material prices and volumes for bulk, paint, sealers, rare earth metals, resins, and leather across the North America region. Consistently drove process improvements and automation solutions in accruals and forecasting models. SCF Intern ICICI Bank

(04/2022 – 05/2022)

Identified 25 target vendor SMEs for ICICI Bank's Supply Chain Finance (SCF) program by analyzing 500 SMEs in the Thane region considering different parameters.

Conducted scenario manager analysis in Excel to evaluate potential profitability for ICICI Bank through SCF program. Education

Great Lakes Institute of Management Chennai, India PDGM (Major: Finance) CGPA 2.95/4 (07/2021 – 04/2023) National Power Training Institute Nagpur, India

Bachelor of Engineering (Power Engineering) CGPA 9.27/10 (08/2016 – 06/2020) Achievements

Spot Recognition Award – Ford Motor Company: Recognized for conducting a data literacy session and supporting data- driven capability building.

Academic Achievement: Ranked 4th in RTM Nagpur University in Power Engineering at the undergraduate level.

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