Apurva Gharal

Finance graduate and CFA Level I Candidate with hands-on experience in equity valuation, portfolio construction, and risk modelling (DCF, Modern Portfolio Theory, Monte Carlo VaR). 2+ years of professional experience in financial statement analysis and regulatory compliance (Ind AS/IFRS/GAAP). Seeking to bring quantitative modelling and analytical rigor to a portfolio/investment analyst role.

Finance Associate - KPN Fintax Pvt Ltd - Pune

(2025-02)

• Prepared and analysed financial statements (P&L, Balance Sheet, Cash Flow) for 50 client accounts, identifying variances and trends used in client financial planning decisions.
• Ensured compliance with Ind AS/IFRS/GAAP standards across 50+ engagements, supporting audit readiness and reducing reporting discrepancies.
• Reviewed and filed Income Tax, GST, and TDS returns for more than 50 clients, managing multiple compliance deadlines simultaneously with zero late filings.

Finance Assistant - Karve Associates - Pune

(2023-06 - 2023-11)

• Assisted in financial reporting and statutory audits for 10 clients, supporting GST, TDS, and Income Tax compliance.
• Prepared P&L, Balance Sheet, and MIS reports used directly in client review meetings, improving reporting turnaround by 20%.
• Identified ₹6,000/month low-value newspaper spend and advised reallocating to worker incentives, contributing to ~8–10% productivity improvement.

Master of Business Administration - Finance - MIT World Peace University (2021-08 - 2023-05)

Bachelor of Commerce - Savitribai Phule Pune University (SP College) (2018-06 - 2021-06)