Nikolas Natsios

Mandatory military Service at Hellenic Army (2026-06 – 2026-12)

Financial Planning & Analysis (FP&A) Intern at Cepal Hellas Financial Services (2026-02 – 2026-04)

Delivered monthly and quarterly performance reports, improving data visibility for KPIs.
Supported budgeting and forecasting cycles, ensuring data accuracy across business units.
Performed variance analysis to identify revenue drivers, cost changes, and margin trends.
Built and maintained financial models for strategic planning and long-term decision-making.
Monitored financial trends to flag risks and highlight cost-saving opportunities.
Built integrated 3-statement financial models (P&L, Balance Sheet, Cash Flow) to support routine analysis and reporting.

Risk Management Intern at EUROBANK (2025-11 – 2026-01)

Analyzed large credit-risk datasets using advanced Excel tools.
Built automated Excel dashboards to track portfolio KPIs and risk trends.
Used Python and SQL to support data handling tasks for the risk management team.
Cleaned, transformed, and validated financial data to ensure high-quality inputs for reporting.
Developed structured analytical templates to streamline recurring risk and financial analyses.

Financial/Investment Analyst Intern at Waterwheel Capital Management (2025-07 – 2025-10)

Tracked Greek/EU secured & unsecured NPEs; cleaned/normalised data for pricing, bids, execution.
Assessed NPEs—borrower risk, collateral cover, legal status, investment thesis—for go/no-go.
Executed top-book deals: recaps, restructurings, orderly liquidations.
Built valuation models with cash-flow & sensitivity cases for distressed real estate, and debt.
Led real-estate profitability review; found cost drivers, set KPIs, lifted margins.
Boosted speed/accuracy via Excel automation (VLOOKUP, SUMIFS, INDEX-MATCH, Power Query).
Equity valuation (DCF, comps, precedents) of top-book companies for investment decisions.

Research Analyst at Center For Liberal Studies (2024-03 – 2025-03)

Conducted financial data analysis and authored a paper on Greek-crisis privatization at the (CFLS).
Assessed profitability and ROIC across Greece's retail sector, including major supermarket chains.
Collaborated with the Tax Foundation on business tax burdens arising from depreciation rules.
Analyzed the financial data of all major supermarket chains in Greece to assess their profitability, financial position, and return on invested capital.

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