Harshal Pancholi

Financial Analyst with 3+ years of experience delivering financial reporting, variance analysis, and FP&A support across US and international markets. Proficient in Excel, Power BI, SQL, and TallyPrime, with a track record of tracking $3M+ in operating expenses, improving reporting visibility for 15+ stakeholders, and reducing manual reporting effort by 20%. Experienced in budgeting, forecasting, financial modeling, month-end close, and GST compliance, with a strong ability to translate complex financial data into clear, actionable insights for cross-functional teams.

Holds an MBA in Finance, combining international accounting foundations with US corporate finance expertise.

Financial Analyst - Zonar Systems

(2025-06)

Supported FP&A operations at a fleet technology company, contributing to variance reporting, forecasting, and KPI dashboard development across business units.

• Prepared monthly variance reports tracking $3M+ in operating expenses using Excel pivot tables, enabling managers to identify and act on cost drivers
• Built Power BI dashboards monitoring KPIs across 4 business units, improving visibility for 15+ stakeholders
• Contributed to monthly forecasting cycles by consolidating actuals vs. budget and summarizing key variances for VP Finance review
• Supported month-end close by validating data accuracy across reporting templates and reconciling actuals to forecast
• Extracted and validated financial data using SQL, reducing manual reporting effort by 20%
• Assisted with annual budgeting by analyzing historical expense trends across 3 cost centers using financial modeling in Excel

Financial Analyst - Ranga Overseas Pvt Ltd

(2022-02 - 2023-06)

Supported financial reporting and analysis for a wood products trading company with $5.26 million in annual revenue.

• Prepared monthly P&L statements and variance reports across 3 product lines, tracking revenue and expense performance for Director-level review
• Developed Excel-based financial models to support annual budgeting and quarterly forecasting, improving planning accuracy for management decisions
• Conducted variance analysis comparing actuals vs. budget across reporting periods, reducing reporting turnaround time by 2 days
• Managed TallyPrime accounting records including ledger maintenance and journal entries, ensuring accuracy across all financial statements
• Performed bank reconciliations across 3 accounts and tracked accounts receivable aging, reducing outstanding AR by 15%
• Ensured 100% on-time GST filing and maintained statutory compliance documentation across all reporting periods

Accountant - GST & Associates

(2021-01 - 2022-01)

Supported day-to-day accounting and compliance operations at a chartered accountancy firm serving SME clients across tax, audit, and bookkeeping functions.

• Maintained books of accounts for 50+ client files using TallyPrime, ensuring accurate and up-to-date financial records across reporting periods
• Prepared bank reconciliation statements and ledger summaries for multiple clients, maintaining 98%+ accuracy in financial recordkeeping
• Assisted in tax preparation and filing for client portfolios, supporting timely submission of income tax and compliance documentation
• Supported audit schedules by organizing financial statements and coordinating with clients to gather required documentation
• Conducted balance sheet analysis for 100+ accounts, identifying discrepancies and flagging issues for senior accountant review
• Ensured 100% on-time statutory filing by managing compliance deadlines across GST returns, TDS submissions, and annual filings

Master of Business Administration (MBA) - Finance - Tiffin University (2025-05)

Bachelor of Business Administration (BBA) - VNSG University (2023-06)