Business development and financial strategy professional with comprehensive data and analytics skills. Possess 12+ years of experience in financial modeling, discounted cash flow analysis, data mining, forecasting, and profitability analysis. MBA from top business program - McCombs School of Business (University of Texas at Austin). Excellent communication skills combined with comprehensive systems and modeling background. CFA charter holder Business Domains: Information technology, consumer finance (credit card and line of credit products), retail sales, and wealth management Specialties: Financial modeling, marketing investments, business analytics, quantitative modeling, data mining, profitability analysis, forecasting, and budgeting

Analytics Consultant @ • Customer acquisition analytics and modeling for credit card originations through direct mail, online, retail (branch), and telemarketing channels • Study customer response and long-term performance for different products and promotional offerings • Analyzed impact of aligning product offerings through various channels to improve customer engagement • Developed new segmentation with finer granularity using consumer behavior and demographics with associated risks From August 2012 to Present (3 years 5 months) San Francisco Bay AreaManager - Financial Strategies and Analysis @ Managed financial analytics for affinity co-brand, bankcard, retail co-brand, and PLCC card portfolios. • Financial and marketing analytics and reporting for customer acquisitions through direct mail, internet, and telemarketing channels. • Simulated credit portfolio cash flows and receivables growth based on recent and long-term customer behavior trends. • Led modeling and simulation of customer behavior for various credit card promotional product/pricing offerings to improve customer response and engagement. • Optimized population selection and increased account profitability: Re-aligned segmentation of customer pool on the basis of consumer metrics such as spend activity and revolving balances. From November 2008 to June 2012 (3 years 8 months) San Francisco Bay AreaSenior Financial Analyst @ Responsible for forecasting sales and merchandise margin for juvenile and apparel products: • Projected quarterly and full-year income statement (P & L), and provided business intelligence and recommendations to senior management for review on a monthly basis (i.e. monthly Flash). • Evaluated trends in profit margin components such as price reductions, markups, markdowns, cash discounts, and vendor allowances, to decipher key business drivers. • Advised buyers on contract negotiations with vendors and category sales and margins. From October 2006 to October 2008 (2 years 1 month) Senior Financial Analyst @ Drove the strategic reporting, analyses, forecasting, and budgeting processes for wealth management products: • Prepared President's Report consisting of mission leadership initiatives, financial analysis, key client opportunities, investments, acquisitions, and product development updates. • Analyzed actuals-to-forecast/plan and month-to-month variances in segment Profit & Loss statement. • Deciphered key revenue and expense drivers for presentations to senior management. From October 2005 to August 2006 (11 months) Greater New York City AreaFinancial Analyst @ Key finance professional leading the analysis of information technology product sales in the secondary market after product’s return to inventory at end of lease: Business Analysis / Management Reporting: • Analyzed Sales from Inventory - provided summary of trend and variance (to forecast/budget) analysis of sales from inventory actuals to global product managers and salespersons, educating them on revenue trends and profit shifts by channel and product category, achieving double-digit YTY growth. • Drove e-business revenue by working with geographic and operations teams to understand key revenue share drivers for reporting to management and sales teams. • Implemented operations review and management system for executive focus on inventory of $200M. Financial Planning / Budgeting • Led and designed Sales Module for 2004/05 Fall Plans targeting multimillion-dollar year-to-year growth. • Formulated IT asset disposition strategies and initiatives in consultation with global product managers. From June 2003 to October 2005 (2 years 5 months)

MBA @ The University of Texas at Austin - The Red McCombs School of Business From 2001 to 2003 MS @ Auburn University From 1992 to 1994 Bachelors @ University of Mumbai From 1988 to 1992 Manish Dharnidharka is skilled in: Financial Modeling, Investment Decision Analysis, FP&A, Capital Markets, Consumer Finance, Credit Cards, Payments Industry, Commercial Finance, Securities Valuation, SAS programming, Forecasting, Financial Services, Financial Analysis, Analytics, Business Analysis