Srishti Sharma

Evaluate financial performance and profitability for Credit Card and Merchant Acquiring businesses. Lead budgeting, forecasting and variance analysis, ensuring strong financial discipline and timely performance tracking. Drive MIS enhancement and cost optimization initiatives, with a sharp focus on identifying key financial and cost drivers. Forecasting, budgeting and variance analysis to support senior management decision-making through clear, data-backed financial insights.

Senior Manager – Finance at Citi Bank (2024-10 – Present)

• Supported global FP&A activities – Contributed to budgeting, forecasting and long term financial planning process, ensuring alignment with business strategy for Trade Loans portfolio, including actuals tracking, and variance analysis
• Monthly variance analysis – identifying key drivers and its impact
• Preparation of management reports and dashboards to track financial performances
• Partnered with cross–functional teams to evaluate business initiatives using financial metrics and KPIs
• Analyzed regional and product-level performance, delivering insights to senior management
• Prepaired and validated ALLL (Allowances for Loan & Lease Losses) workings, contributing to provisioning analysis and financial reporting
• Assisted in BER, QMMF, and CCAR cycles, performing data validation, variance analysis, and supporting regulatory and management reporting requirements
• Worked across financial systems (RUBY, PEARL, FRM) to reconcile data, validate end-to-end data flows, and ensure accuracy in reporting outputs
• Collaborated with stakeholders under tight timelines to deliver accurate and actionable financial insights

Manager – Finance at HDFC Bank (2022-03 – 2024-10)

• Operating Cost Analysis & MIS Improvement: Comprehensive analysis of operating costs and identified key cost drivers through trend & variance analysis
• Credit Card Profitability Analysis: Developed a Credit Card Profitability Analysis to identify returns from each card variant
• Business Case Evaluation: Compared in-house cost with client proposals to facilitate informed decision-making for senior management
• Cost Optimization: Optimize operating costs by quarterly analysis of zero-transactions POS machine; led deactivation of unused SIM cards
• Built headcount simulator & cost dashboards, tracking staff costs, budget vs actuals, and variances to provide actionable insights to senior stakeholders
• Cost analysis and budgeting support, identifying key cost drivers and contributing to annual financial planning and forecasting

Article Trainee at Ambavat Jain & Associates

• Managed direct tax compliance including return filing, tax audits, transfer pricing, and foreign remittance certifications
• Conducted statutory and bank audits, handled indirect tax filings (GST, VAT, Service Tax, Professional Tax) and supported audits and registrations
• Assisted in financial reporting & certifications, including financial statements and key certificates like Net Worth and Turnover

Chartered Accountant – The Institute of Chartered Accountants of India (2021)

Masters of Commerce in Commerce – Mumbai University (2018)

Bachelor of Commerce in Commerce – Mumbai University (2016)