Milad

• Own end-to-end daily cash positioning for 40+ entities across APAC/EMEA, ensuring optimal multi-currency liquidity to support high-volume operations and disbursements for millions of platform users. • Optimize intercompany funding and repatriation strategies to reduce "trapped cash" in restrictive markets, partnering with Tax and Legal to maximize global capital efficiency. • Developed and refined short-to-medium term cash flow forecasts in Excel, improving forecast accuracy and reducing idle cash balances; analyzed liquidity and working capital and other business KPIs to provide actionable insights for financial planning. • Perform variance analysis on General Ledgers (GLs) and Financial Statements for 5+ key entities, identifying budget-to-actual discrepancies to inform capital injection planning and strategic funding. • Collaborate with different teams to align forecasts with quarterly OpEx and CapEx budgets, analyzing Financial, Operational & Strategic KPIs (like marketing) providing a holistic view of the company’s burn rate and status. • Collaborate with FinTech and Treas-ops teams to provide data for TMS (Treasury Management Systems), streamlining real-time visibility into global bank accounts. • Coordinate with 10+ global banking partners and stakeholders.

FP&A Consultant • Analyze monthly budget-to-actual results for grant programs to identify significant variances and spending trends, providing insights and recommendations to the stakeholders. • Develop and maintain financial models, forms & dashboards, forecasts, and budgets with Excel & power Bi to accurately track project KPIs and fund utilization and multi-grant reporting. • Support leadership in financial planning through ad-hoc analysis and risk assessments, and recommending solutions to achieve business goals, including cost reduction. • Advise management on process optimization & data-driven decision-making using BI and automation tools. • Conduct rolling forecasts and variance analyses to optimize fund allocation for the launch “World Smart College” Project, in collaboration with external partners such as Accenture’s “Do Good” program and PwC.

• Performed analysis and tracking KPIs (ROE, Ratios, NPLs) and prepared managerial reports for decision makers. • led scenario analysis, stress tests and rolling forecast updates on cash flows, revenue streams, cost structures and operating expenses, influencing supervisory decisions. • Developed automated dashboards (Power BI + Excel), cutting the report’s time from almost 5 days to 7 hours. • Implemented financial modelling improvements in FP&A reporting, reducing forecast preparation time by 20-30%. • Coordinated with 10+ stakeholders & cross-functional teams like Risk, IT, Accounting to standardize KPIs and reports. • Supervised data and consolidate reporting from multiple banks, reviewed quarterly forecasting & KPI reporting processes, collaborated with accounting teams to review month-end results and ensure reporting accuracy.

• Performed month-end close cycles, ensuring accurate revenue recognition, accruals, and reclassifications in SAP and other clients’ ERPs. • Assisted with core accounting procedures, reporting, compliance checks, and audit schedules. • Supported budgeting and forecasting cycles by collecting, consolidating, and validating data from multiple business units across different clients. • Prepared management reports and dashboards using Excel, improving visibility into key performance metrics for senior analysts. • Reconciled actuals vs. forecast to ensure accurate financial reporting, identifying minor discrepancies proactively. • Automated recurring VAT and payroll reports in Excel VBA, reducing manual effort by 40%.