Vijetha Nonwar

Financial Analyst with 5+ years of experience managing complex financial reporting and compliance within large-scale banking and corporate environments. Specializing in management accounting, tax compliance, and payroll administration using cloud-based ledgers and HMRC digital portals. Proficient in Microsoft Excel for sensitivity analysis and variance reporting, alongside advanced tools like SAP, Power BI, and Moody's Analytics to drive data-driven decision-making.

Focused on optimizing tax positions through precise tax code management and ensuring rigorous accuracy in year-end financial statements and VAT submissions. Delivers high-quality client service by translating technical financial data into actionable insights for diverse stakeholders while maintaining strict adherence to regulatory standards and internal audit protocols.

Financial Analyst - Sainsburys

(2025-07)

• Maintained accurate bookkeeping records for internal retail departments using cloud-based accounting software to track daily operational costs and inventory related transactions.
• Reconciled bank statements against internal ledgers for regional store accounts to identify and resolve discrepancies in cash flow and digital payment processing.
• Processed monthly payroll data for retail staff and managed queries regarding pay slips, tax deductions, and national insurance contributions to ensure timely payment.
• Prepared management accounts and periodic financial reports for the trading team to help them understand budget variances and departmental spending trends.
• Reviewed tax code notifications from HMRC for employees and updated internal payroll systems to reflect correct tax positions and avoid underpayment issues.
• Built Excel models to track capital expenditure on new store technology projects and monitored spending against the approved business cases.
• Organized VAT documentation and assisted in the preparation of periodic tax submissions to maintain compliance with government reporting standards for large retailers.
• Created working papers and supporting schedules for year-end financial audits, providing clear evidence for balance sheet items and operating expenses.
• Liaised with external suppliers to obtain missing invoices and supporting documentation, ensuring the accuracy of the accounts payable ledger.
• Updated financial reporting controls and data entry procedures to improve the quality of information used for high-level commercial decision making.

Project Financial Analyst - HSBC

(2020-03 - 2022-07)

• Investigated and resolved complex tax code discrepancies for wealth management clients using HMRC digital portals and internal banking systems to ensure accurate personal tax positioning.
• Managed automated payroll administration for internal project teams, processing updates for national insurance and pension contributions within strict monthly financial deadlines to ensure compliance.
• Maintained digital bookkeeping records for sustainable initiatives using cloud-based accounting platforms to track resource allocations and operational expenditure accurately for senior management.
• Reconciled high-volume internal accounts and capital investment ledgers against Oracle Financials to identify and correct variances in large-scale project spending across global branches.
• Prepared monthly management accounts and financial performance dashboards in Power BI to visualize capital expenditure trends across various business divisions and departments.
• Assisted with the preparation of VAT returns and corporation tax compliance documentation for international subsidiaries, ensuring adherence to global regulations and reporting standards.
• Developed rolling financial forecasts for large-scale IT infrastructure upgrades using SAP to support long-term strategic goals and digital transformation initiatives.
• Produced detailed working papers and supporting schedules for year-end financial audits, providing clear evidence for project cash flows and sustainability reporting requirements for external auditors.
• Liaised with internal stakeholders to obtain necessary financial documentation and maintained accurate records of tax code reviews to improve overall financial positions.
• Improved the project intake financial review process by implementing new templates in SharePoint to standardize how business cases were evaluated for innovation funding.

Financial / Credit Risk Analyst - Wells Fargo

(2018-11 - 2020-02)

• Analyzed commercial loan applications and reviewed financial statements using Excel to determine creditworthiness and risk ratings for diverse corporate banking clients.
• Prepared documentation for Comprehensive Capital Analysis and Review reporting requirements using SAS to ensure compliance with federal banking regulations and standards.
• Monitored credit limits and performed periodic reviews of existing accounts using Moody's Analytics to identify potential defaults within the retail banking sector.
• Developed credit risk models and stress testing scenarios using SAS to determine the impact of economic fluctuations on the mortgage loan portfolio.
• Created risk dashboards and monthly performance reports using Tableau to communicate credit exposure and loss reserves to senior management and stakeholders.
• Reviewed market trends and interest rate movements using Bloomberg Terminal to adjust credit risk assumptions for the investment banking division's portfolios.
• Implemented updated credit risk policies and internal control procedures using SharePoint to ensure compliance with evolving industry best practices and internal guidelines.
• Calculated expected credit losses and maintained allowance for credit loss accounts using Excel models to support accurate financial reporting and disclosures.
• Managed counterparty credit risk reviews and performed due diligence on financial institutions using internal databases to mitigate potential losses from trading activities.
• Improved the data collection process for credit reviews by utilizing internal reporting tools to extract relevant financial information from the core banking systems.

MSc - Finance & Accounting - Brunel University London