VATSAL THAKKAR

Conduct comprehensive financial evaluations of client portfolios, credit reports, and financial statements to assess repayment capacity and mitigate credit risk. Analyze macroeconomic indicators and market conditions to identify emerging risks and adapt credit assessment strategies accordingly. Prepare in-depth credit reports with actionable recommendations for senior leadership regarding loan approvals, modifications, and rejections

Evaluated real estate investment proposals, including CAP rate analysis, cash flow forecasting, and ROI estimations.  Conducted in-depth market research and feasibility studies to uncover high-yield investment opportunities.  Built and refined advanced Excel-based financial models, increasing projected returns on key assets by 15%.  Delivered risk-adjusted investment strategies and presented performance insights to senior stakeholders.

Developed weekly liquidity forecasts, improving short-term financial planning and risk mitigation.  Managed capital inflows and outflows, including capital calls, redemptions, and distributions.  Reconciled complex multi-bank transactions, ensuring accuracy and financial integrity.  Oversaw treasury disbursements and cash flow operations, reducing delays and operational inefficiencies.  Supported strategic budgeting initiatives, driving cost optimisation and enhanced financial performance.

Ensured compliance with IFRS and other accounting standards by auditing financial records and documents.  Prepared financial statements, management reports, and performance analyses.  Handled tax return submissions, ensuring timely compliance and minimising exposure to tax liabilities.  Coordinated with auditors, suppliers, and cross-functional teams to resolve accounting discrepancies.

Verified vendor invoices, processed payments, and streamlined the accounts payable process.  Built Excel and Access databases to improve reporting workflows.  Performed daily bank reconciliations, contributing to accurate cash flow tracking.  Supported front-office operations by handling customer transactions with a focus on accuracy and confidentiality.