Disha Rai

About Disha Rai

Qualified Chartered Accountant with strong analytical and strategic orientation, specializing in Financial Planning & Analysis (FP & A), Balance Sheet management, Treasury, budgeting, forecasting, business case development, and expense optimization.Currently part of the Balance Sheet & Treasury function within FP & A for the CitiGold business, driving performance analysis and strategic insights across investment products.Previously worked in the Cost Planning (FP & A) team at Disney Star India, partnering with business leaders on planning cycles, cost governance, and financial performance tracking.Prior to that, held FP & A roles at Citibank across: • Personal Banking & Wealth Management (PBWM) – managing Private Banking revenues and balance sheet analytics • Global Retail Services – overseeing end-to-end technology cost management and forecastingCompleted industrial training with Unilever Ltd. in the Supply Chain Finance (Personal Care) function, gaining exposure to working capital, cost structures, and operational finance.Started career with articleship at Nangia & Co, with core experience in Audit and Taxation.

Experience

1. Manager

   Citi

   Jun 2025 — Present · Mumbai, IN

Education

• Kishinchand Chellaram College of Arts Commerce and Science

  Junior college, Commerce Bifocal - Office Management

• H.R. College of Commerce and Economics

  Bachelor of Commerce - BCom, Accounting and Finance

  2013 — 2016

• HR College of Commerce and Economics

  Master of Commerce - Mcom, Accounting and Finance

  2016 — 2018