Dhruv Singhal

About Dhruv Singhal

Vice President at Citigroup with a Vanderbilt MBA, Georgetown JD, and Harvard BA specializing in deposits analytics, liquidity strategy, and balance sheet forecasting supporting regulatory and enterprise planning cycles. Experienced financial partner translating complex macroeconomic, market, and model-driven data into actionable funding and balance sheet insights for CFO-level leadership and governance forums. Proven track record delivering deposit sensitivity analysis, macroeconomic scenario modeling, peer benchmarking, and enterprise forecasting frameworks used in capital planning, quarterly forecasting, and operating plan cycles. Known for building analytical frameworks, strengthening forecast governance, and delivering executive-ready insights under tight regulatory and business timelines. Core Competencies Financial Planning & Analysis (FP & A)| Deposits Analytics | Liquidity Analytics | Funding Strategy | Balance Sheet Management | Asset-Liability Management (ALM)| Peer & Industry Benchmarking | Macroeconomic Scenario Analysis | Stress Testing | Regulatory Forecasting | Business Forecasting | Budgeting| Capital Planning | Operating Plans | Comprehensive Capital Analysis & Review (CCAR)| Model Governance | Model Risk Management | Internal Controls | Executive Reporting | Stakeholder Management | Cross-Functional Collaboration | Financial Modeling | Advanced Excel | PowerPoint

Experience

1. Vice President - Central Deposits Analytics

   Citi

   Jun 2023 — Present · New York, NY, US

   Produce firmwide daily deposits and liquidity reporting across Institutional, Retail, and Wealth businesses (~$1.4T balances), providing CFO and senior finance leadership real-time visibility into balances, liquidity ratios, and performance versus projections to inform funding strategy, capital planning, and balance sheet positioning.Advise the Asset-Liability Committee (ALCO) by analyzing loans-versus-deposits trajectories across businesses and geographies, surfacing emerging funding gaps, balance sheet growth mismatches, and liquidity risks that inform asset-liability management and funding decisions.Lead multi-year deposit outlook and scenario modeling through 2028 within the 2025 planning cycle, translating macroeconomic scenarios including interest rates, money supply, and macro variables into segment- and geography-level balance trajectories across baseline and stress environments used in enterprise planning discussions.Benchmark Citi’s deposit durability, funding mix, and growth trends against peers and industry by analyzing year-over-year deposit performance relative to money supply dynamics, helping leadership distinguish firm-specific performance from system-wide liquidity contraction.Delivered first-of-their-kind analyses decomposing deposit sensitivity into pricing and product-mix drivers while quantifying money-supply impacts on deposit growth and share, enabling leadership to distinguish structural funding shifts from macroeconomic conditions and informing funding and growth discussions.Identified industry-wide retail deposit outflows driven by consumer migration to retail money-market funds while demonstrating Citi’s relative outperformance versus peers, informing competitive strategy discussions.Designed and implemented enhanced deposit sensitivity modeling by reconciling data across financial systems and integrating daily cost-of-funds inputs, improving transparency and forecast accuracy for balance sheet planning.

Education

• Georgetown Law

  Doctor of Law (JD), Law

  2012 — 2015

• Vanderbilt University Owen Graduate School of Management

  Master of Business Administration - MBA, Strategy and International Studies

  2018 — 2020

• Harvard University

  Bachelor of Arts (B.A.), English, with Honors

  2008 — 2012

Skills

• Adobe Creative Suite
• Microsoft Powerpoint
• Document Review
• Politics
• Legal Research
• Public Speaking
• Editorial
• Research
• Document Drafting
• Editing
• Microsoft Excel
• Copy Editing
• Data Entry
• Public Policy
• Oral Communication
• Layout
• Volunteer Recruiting
• Proofreading
• Creative Writing
• Community Outreach
• Legal Document Preparation
• Nonprofit Organizations
• Microsoft Office
• Social Media
• Opinion Writing
• Legal Writing
• Policy Analysis
• Journalism