Apoorv Bhagat

Owned the three-statement corporate model and annual budgeting process across 8 departments (~$200M opex); partnered directly with the Director of Finance on headcount planning for ~600 employees, covering bonus structuring and new hire budgets. Led monthly BvA presentations to department heads, translating variance analysis into actionable recommendations that drove resource reallocation and strategic decisions. Built and maintained 10+ cross-functional Excel models tracking KPIs by vertical (APR, monthly usage); uncovered statistically significant seasonality patterns that improved forecast accuracy and planning cycles.

Senior Financial Analyst at SUNBIT (2023-09 – Present)

• Owned the three-statement corporate model and annual budgeting process across 8 departments (~$200M opex); partnered directly with the Director of Finance on headcount planning for ~600 employees, covering bonus structuring and new hire budgets.
• Led monthly BvA presentations to department heads, translating variance analysis into actionable recommendations that drove resource reallocation and strategic decisions.
• Built and maintained 10+ cross-functional Excel models tracking KPIs by vertical (APR, monthly usage); uncovered statistically significant seasonality patterns that improved forecast accuracy and planning cycles.
• Conducted semi-annual unit and merchant economics analyses; findings optimized marketing spend allocation, improved LTV, reduced CAC, and shortened the break-even period across key verticals.
• Researched new vertical viability through cost structure modeling; recommended a 2x increase in one-time costs for a new vertical — decision proved successful, contributing to growth in total APR.
• Supported the Capital Markets Director with monthly portfolio reporting, tracking cash allocation, concentration limits, and performance triggers to ensure covenant compliance and optimize MSR and cash recycling activity.
• Built scenario analysis frameworks enabling leadership to stress-test financial outcomes across multiple economic assumptions, supporting data-driven decision-making.

Corporate Financial Analyst at VANREUSEL VENTURES (2022-08 – 2023-09)

• Developed cash management processes and liquidity forecasts for clients, tracking burn rate and runway to ensure financial health.
• Transformed the financial back office for a private equity fund; built a real-time fund performance sheet to track investment returns.

Equity Analyst at HDFC LIFE INSURANCE (2019-01 – 2021-04)

• Built DCF models to evaluate prospective investments; validated assumptions through direct meetings with senior management to inform financial forecasts and market valuations.
• Performed financial health quality checks on portfolio companies per HDFC Life's investment framework.

Credit Specialist at LENDING CLUB (2017-09 – 2018-07)

Master of Science in Finance and Analytics – SANTA CLARA UNIVERSITY, Leavey School of Business (2021-09 – 2022-06)

Bachelor of Science in Finance (minor in Management Information Systems) – SANTA CLARA UNIVERSITY, Leavey School of Business (2013-09 – 2017-06)