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Adil User

@adiladil101

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Financial Analyst specializing in FP&A, scenario modeling, and capital allocation with advanced Excel/VBA.

India

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What I'm looking for

I’m looking for an FP&A or financial modeling role where I can own forecasting and scenario/variance analysis, improve model validation, and translate outputs into capital allocation recommendations using Excel/VBA, SQL, Python, and Bloomberg.

I’m a Financial Analyst focused on FP&A, forecasting, and financial modeling. I build three-statement models, then run scenario, sensitivity, and variance analysis to support clear capital allocation decisions.

I’ve also trained others in practical modeling—breaking down variance bridges and balance sheet reconciliation into exercises, and building grading around the same validation checks used in real FP&A work. I like working independently across forecasting and ad-hoc analysis, using structured logic to get to reliable answers.

In hands-on modeling, I led development of a 3-statement deal model for a hotel asset with interest-only debt, calculating unlevered/levered IRR and DSCR across base, downside, and stress cases. I’ve paired discounted cash flow and cost-of-capital work (including WACC via CAPM and unlevered betas) with scenario waterfalls, and I’ve applied quantitative thinking to portfolio optimization and deal risk benchmarking.

Experience

Work history, roles, and key accomplishments

M&A Research Analyst

Goldman Sachs Forage

Mar 2024 - May 2024 (2 months)

Benchmarked an $30.46B deal on Bloomberg using comparables (10.45x EV/EBITDA and 0.75x EV/Revenue). Flagged FTC-mandated divestitures as a key risk to deal value.

EBITDA Valuation Multiples Regulatory Risk (FTC)

Finance Instructor

University of Miami

Oct 2023 - May 2024 (7 months)

Taught FP&A, budgeting, and three-statement modeling to 20+ students, including variance bridges and balance sheet reconciliation. Developed grading using the same validation checks used in FP&A work and covered DCF, WACC, IRR, DSCR, CAPM, and Monte Carlo concepts.

Budgeting Three Statement Modeling Variance Bridges IRR CAPM

Lead Financial Modeler

EL Investments

Jan 2024 - Mar 2024 (2 months)

Built a 3-statement model for a hotel asset with under $10M interest-only debt at 8%, calculating unlevered/levered IRR and DSCR across base, downside, and stress cases. Created a scenario waterfall on cap rate, revenue growth, and renovation cost shifts to support a capital allocation decision, using Excel/VBA, SQL, Python, and Bloomberg.

Three Statement Modeling Scenario Waterfall VBA SQL Python

Financial Analyst

University of Miami

Oct 2023 - Dec 2023 (2 months)

Calculated segment-specific WACC using CAPM and unlevered betas across Marriott's three business lines. Identified a 180bps misallocation from using a blended hurdle rate and recommended segment-specific rates with quantified risk-adjusted impact.

CAPM Unlevered Betas Cost Of Capital Segment Specific Discount Rates Financial Modeling

Education

Degrees, certifications, and relevant coursework

University of Miami

Master of Science in Finance, Finance

Completed an MS in Finance at the University of Miami, applying FP&A and financial modeling such as three-statement models and scenario/variance analysis with valuation metrics (e.g., DCF, WACC, IRR, DSCR).