Hiral Juthani

About Hiral Juthani

Finance professional with 6+ years of experience across global financial institutions, including Morgan Stanley and Silicon Valley Bank (SVB), with a strong focus on cash-flow analysis, debt behavior, and balance sheet movements.My core experience lies in mortgage and commercial loan portfolios, where I work hands-on with principal and interest cash flows, accrual-to-cash timing differences, funded and committed balances, and period-over-period variance analysis. While my work has supported regulatory and management reporting, the underlying skill set is deeply rooted in understanding how cash moves, how debt behaves, and how liquidity is impacted under normal and stress scenarios.I have supported US regulatory and financial reporting such as CCAR Schedule H and OCC commercial lending reporting, validating forward-looking assumptions and portfolio behavior. This experience has strengthened my ability to analyze cash-flow sustainability, balance integrity, and downside risk — skills that directly translate to FP & A cash-flow forecasting and Treasury debt analysis.Earlier in my career, I worked in M&A and Transaction Advisory at Sharp & Tannan Associates, where I supported financial due diligence, working capital analysis, cash-flow normalization, and transaction-focused financial analysis. This exposure added a commercial and valuation lens to my cash-flow foundation.I bring a disciplined, detail-oriented approach to finance, combining regulatory rigor, transaction exposure, and practical cash-flow analysis. I am now focused on opportunities in FP & A, Treasury, and Corporate Finance, where I can contribute to forward-looking forecasting, liquidity planning, and financial decision-making.Areas of focus:• FP & A – Cash Flow & Forecasting• Treasury & Liquidity Analysis• Debt & Cash-Flow ModelingOpen to opportunities in Hong Kong, Singapore, and global markets.

Experience

1. Associate in Finance Division

   Morgan Stanley

   Jun 2023 — Present · Mumbai, IN

   Analyzed mortgage and structured loan portfolio cash flows, funded and committed balances, and period-over-period movements to support liquidity visibility and balance integrity.• Monitored interest accruals, principal repayments, prepayments, and non-accrual behavior, bridging accrual-based P&L with underlying cash realization.• Performed balance roll-forwards and variance analysis, explaining cash and balance movements for management and regulatory review.• Prepared analytical summaries highlighting key cash-flow drivers, funding trends, and risk indicators.Selected Analytical & Reporting Experience:• CCAR Schedule H: Supported forward-looking income and balance driver validation under baseline and stress scenarios, linking projections to cash-flow behavior.• OCC Commercial Lending Reporting: Analyzed loan balances, utilization, and portfolio cash-flow behavior to support debt and liquidity-related reporting.• Financial & Cash Flow Reporting: Bridged accrual-based financial reporting with underlying cash movements through balance roll-forwards and variance analysis.

Education

• Jankidevi Bajaj Institute of Management Studies (JDBIMS) - SNDT Women's University

  Master of Management Studies

• University of Mumbai

  Bachelor of Commerce

  2013 — 2016