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Dhanush Raj

@dhanushraj

FP&A Associate at JPMorgan Chase & Co. managing a $1B+ auto finance portfolio and improving forecast accuracy.

At JPMorgan Chase & Co., I own FP&A for a $1B+ automotive finance portfolio, including portfolio forecasting and a three-year outlook. I redesigned the Residual Value Reserve methodology, delivering an approximately $50MM favorable P&L timing impact.

I also built a vintage-level loan run-off calculator that cut forecast variance from 5–7% to 2–3%, and created AI-integrated P&L and EV dashboards. Previously at BNY, I built product-margin and cost-target models, supported strategic business cases, and prepared management and Board reporting.

Experience

Work history, roles, and key accomplishments

Current

Associate, FP&A

Current

JPMorgan Chase & Co.

Dec 2024 - Present (1 year 11 months)

Owns FP&A for a $1B+ automotive finance portfolio, leading P&L forecasting and portfolio analytics. Redesigned reserve methodology delivering ~$50MM favorable P&L timing impact and improved forecast accuracy from 5-7% to 2-3% variance.

Senior Associate, FP&A

BNY

Jul 2023 - Dec 2024 (1 year 5 months)

Built product-margin and cost-target models, bottom-up annual planning models, and strategic business cases. Produced CFO-level performance commentary and standardized revenue metrics and product/client hierarchies.

FP&A Financial Modeling scenario analysis Sensitivity Analysis Management Reporting Product Economics Cost Analysis Strategic Planning Stakeholder Management

Senior Financial Analyst, FP&A

BNY

May 2021 - Jul 2023 (2 years 2 months)

Prepared Board and Investor Relations analyses, firm-level non-interest expense commentary, and monthly financial-statement reviews. Analyzed drivers, variances, and trends for management review.

FP&A Management Reporting Financial Analysis Variance Analysis Board Reporting Investor Relations Financial Statements