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Asher K.

Finance

call   (214) GO-RELAY / (214) 467-3529

email   Careers@RelayHumanCloud.com

home   Ahmedabad, India


SKILLS

  • Advanced Excel
  • Power BI
  • SAP
  • Tableau
  • Loan Underwriting
  • Mortgage Underwriting
  • Financial Reporting
  • Financial analysis
  • Departmental Payroll
  • Quarterly Compliances
  • Quarterly Reports
  • Cash Distribution Reports

EDUCATION

Master of Business Administration

Institute of Public Enterprise (2022)

Bachelor of Business Administration

KIIT University (2020)

LICENSES & CERTIFICATIONS

  • Financial Modelling and Valuation Analysis, Commercial Banking and Credit Analysis | CFI
  • Stock Trading and SAP FICO | Udemy
  •  Real Estate Financial waterfall  | Udemy 
  • Real estate Financial Modelling Bootcamp | Udemy
  • Microsoft Office Specialist Associate | Microsoft
  • Chartered Financial Analyst | CFA Institute (Expected 2026)

Extraverted Introverted Intuitive Observant Thinking Feeling Judging Prospecting

PROFESSIONAL SUMMARY

Dedicated and results-driven banking professional with nearly three years ofnexperience in financial services, including expertise in credit analysis, loannprocessing, mortgage underwriting, risk management, and customer relationship management. Developed a dynamic acquisition financial model in Excel to evaluate the internal rate of return (IRR) for acquired projects. Seeking tontransition into Analyst role proven ability to analyze financial data, optimizenprocesses, and collaborate with cross-functional teams. Skilled in requirementngathering, data interpretation, and using tools like Excel, SQL, and Power BI to driveninsights and support decision making

PROFESSIONAL EXPERIENCE

Financial Analyst
Relay Human Cloud | India | Jun 2025 - Present

  • Assisted in weekly, quarterly, and monthly payroll analysis; supported calculation of preferred property returns.
  • Prepared and maintained financial reports, third-party compliance documentation, watch lists, and e-reports.
  • Contributed to cash distribution reports, loan bibles, quarterly valuations, quarterly performance reports, and global cash flow reports.
  • Gained exposure to borrowing base, budget modeling, and debt service coverage ratio (DSCR) analysis.
  • Created charts and graphs for board book presentations, F2 equity reports, and retail/occupancy reporting (SQFT, REN PF).
  • Completed training in Accounts Payable & Receivable processes using Yardi, including vendor invoice entry, utility billing, deposit posting, collections, and lease audits.
  • Gained exposure to Invoice validation, Rent Roll reviews, and CPI-based rent increase calculations.
  • Trained in Bank Reconciliation, ACH/Deposit recording, AP reviews, and interest file preparation.
  • Learned fundamentals of Property Accounting including insurance, property tax, margin tax, and incoming wire transactions.

Credit Analyst 

Federal Bank | India | Jun 2022 - Dec 2024

  • Conducted credit data analysis using financial statements, credit reports, and market trends to assess loan risk and applicant creditworthiness.
  • Built and maintained Power BI dashboards, improving KPI reporting efficiency by 15% and streamlining decision-making.
  • Developed predictive financial models, enhancing trade finance forecast accuracy by 35% and supporting strategic planning.
  • Analyzed customer behavior and feedback data, driving a 20% increase in cross sell revenue and informing product strategy.
  • Processed and analyzed loan and transaction data (CC, ODs, SME loans, FX trades, LCs, remittances), ensuring accuracy and compliance across portfolios worth₹15 CR.
  • Implemented new financial reporting tools, improving data pipeline efficiency and reducing reporting time by 50%.
  • Evaluated credit risks through data-driven analysis, providing actionable recommendations on credit limits and loan approvals.
  • Collaborated with cross-functional teams to resolve client issues using insights from account and transaction data.

Business Analyst Intern

Tata Steel | India | Apr 2021 - Jun 2021

  • Performed financial reporting and conducted data analysis to support business
  • insights, financial modeling, and valuation.
  • Utilized Power BI to extract and analyze data from SAP, creating real-time stock reorder schedules and conducting vendor stock take analysis for operational efficiency.
  • Leveraged Power BI to consolidate data from multiple sources into a single dashboard, enhancing data visibility and enabling informed decision making.