Pavankumar Harikrishna

About Pavankumar Harikrishna

Financial Analyst with 4+ years of experience across payments finance, corporate finance, and shared services, specializing in revenue forecasting, transaction cost analysis, and settlement reconciliation for portfolios exceeding $120M. Currently at Stripe, I lead forecasting and financial modeling across payments portfolios, analyzing TPV growth, pricing movement, chargebacks, and processing costs to improve forecast accuracy and margin visibility. I have built driver-based models and performed SQL-based variance diagnostics to identify key pricing, volume, and mix drivers impacting financial performance. My experience includes supporting capital allocation decisions through DCF and sensitivity analysis, strengthening working capital monitoring, and improving close cycle efficiency through reconciliation and automation. I have a strong foundation in GAAP revenue recognition and SOX-controlled environments, ensuring accurate and compliant financial reporting.

Experience

1. Financial Analyst

   Stripe

   Aug 2025 — Present

   Directed monthly revenue and processing cost forecasting using SQL transaction reconciliation and Advanced Excelmodeling across a $120M+ payments portfolio covering TPV growth, reserve balances, chargebacks, and take-ratemovement reducing post-close adjustments by 28%. Constructed driver-based budgeting models incorporating authorization success rates, dispute ratios, pricing tiers,and infrastructure expenses tightening quarterly forecast variance from 9% to 4% across active payment products. Quantified pricing, volume, and mix drivers through SQL variance diagnostics isolating margin compressionsources valued at $3.4M annually across merchant cohorts. Evaluated multi-year infrastructure and pricing scenarios using DCF modeling and sensitivity testing informingfinance leadership review of a $22M capital allocation decision. Reconciled billing settlements and reserve activity using MS Access and SQL workflows aligning sub-ledgerbalances with GL reporting shortening reporting cycle timelines by 32%. Produced executive operating review analysis combining TPV performance, dispute exposure, and operatingexpense movement used during recurring quarterly finance planning cycles

Education

• C. Kandaswamy Naidu College for Men

  Bachelor of Commerce - BCom, Accounting and Finance

• Shri Krishnaswamy School

  Accounting and Computer Science

  2011 — 2018

• W. P. Carey School of Business – Arizona State University

  Master's degree, Financial Mathematics

  2024 — 2025