Sunil Toshniwal

About Sunil Toshniwal

Strategic Finance Leader with 15+ years of global experience across Retail and Institutional Banking, driving FP & A excellence, capital optimization, and profitability transformation. I partner closely with C-suite leaders to turn financial insights into strategic decisions that accelerate growth and strengthen governance.Currently leading Global Legal Entity FP & A at Citi, I enhance financial transparency across 14+ entities, shape capital and EBT strategies with Tax and Treasury, and embed AI-driven analytics to improve forecasting and execution. My work has delivered $ efficiencies and strengthened risk and control frameworks.Previously, I led FP & A for Citi’s Asia Consumer Banking franchise across Wealth, Cards, Lending, and Deposits—driving 3x NTB growth initiatives, co-branded card launches, and performance standardization across 17 countries.I build high-performing teams and transform finance into a forward-looking, business-enabling function that delivers measurable impact.Core Expertise:• Strategic FP & A & Performance Management• Legal Entity & Capital Optimization• Business Finance & Segment Profitability• Digital Finance Transformation & Automation• Regulatory Governance & Risk Controls• Executive Decision Support

Experience

1. Senior Vice President

   Citi

   Sep 2024 — Present · Mumbai, IN

   Lead enterprise-level financial stewardship across 14+ material legal entities, strengthening capital efficiency, profitability oversight, and governance discipline- Partner with regional and global CFOs, Tax, and Treasury to shape capital allocation, repatriation strategy, and sustainable EBT optimization across jurisdictions- Provide board-relevant insights on cost structure, capital deployment, and entity returns to support long-term value creation- Drive forward-looking performance management by embedding AI-enabled forecasting, advanced analytics, and structural FP & A transformation—enhancing transparency, decision quality, and regulatory resilience. Enterprise Impact:• Delivered cost optimization through Asia cluster stranded cost rationalization• Strengthened U.S. entities returns via Capital and Treasury alignment• Improved operating efficiency by 8% through structural finance transformation and governance

Education

• Indian Institute of Planning and Management

  Master of Business Administration - MBA, Finance

• University of Mumbai

  Bachelor of Commerce (BCom)

  2004 — 2007

Skills

• Microsoft Office
• Microsoft Excel
• Financial Reporting
• Financial Analysis
• Financial Accounting
• Budget Forecasts
• Business Planning