Gayathri Unnithan
Finance & Accounting Portfolio

Where the numbers
actually balance.

Bookkeeping  ·  Financial analysis  ·  FP&A

I'm Gayathri Unnithan: MBA Finance (ongoing), with 11 months as a Performance Analyst, building real, formula-driven financial systems: a complete accounting cycle, a five-year equity analysis of Infosys, an FP&A variance pack, and an AR collections engine. Every figure traces back to a cell.

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Gayathri Unnithan Four workbooks · 28 sheets · 1,968 live formulas · all verified
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About
Gayathri Unnithan

Hi, I'm Gayathri.

Books that balance. Reports that explain why. And nothing mysterious buried in the footnote.

Reconciliation enjoyer A trial balance that doesn't tie ruins my day Filed before the deadline. Every single month. Chases 90-day overdue invoices. Relentlessly.
Email me → Résumé (PDF)
Portfolio files · download
01 · Bookkeeping: Sunrise Bakery8 sheets · 385 formulas · GST .xlsx → 02 · Financial analysis: Infosys7 sheets · 187 formulas · FY22–FY26 .xlsx → 03 · Budget vs actual: Nova Retail6 sheets · 779 formulas · FY 2025-26 .xlsx → 04 · AR aging & collections: BrightPath7 sheets · 617 formulas · as of 31-Aug-2026 .xlsx → RésuméGayathri Unnithan · PDF .pdf →
Experience

Professional experience,
not just a portfolio.

Where these skills came from: budgets, reconciliations, invoicing, TDS (withholding tax) and GST handled for real, every month, across three business accounts.

Performance Analyst

Levelupforwomenn · Gurugram, India
11 months Oct 2025 – Sep 2026
  • Scaled monthly marketing budgets from ₹9.6 lakh to ₹20 lakh (≈ $10k → $21k) (up 108%) while holding 4.0× ROAS, driving up to ₹80 lakh (≈ $83k) in monthly sales.
  • Analysed sales and revenue records of up to ₹3 crore (≈ $313k) across 3 business accounts, reporting performance daily to support decisions.
  • Ran monthly bank reconciliations, invoice processing and payment initiation across all 3 accounts, keeping records accurate and audit-ready.
  • Computed monthly TDS deductions and GST liabilities and coordinated with accountants to keep every filing on time.
Daily tools Google Sheets · Trackocity · Meta Business Manager · Excel
USD figures converted at ≈ ₹96 = $1 (Sep 2026), for international readers.
Selected work

Four workbooks.
One finance toolkit.

Each project is a working Excel system, not a screenshot: statements recalculate from raw entries, checks prove they balance, and every assumption is documented on the Overview sheet.

01
General journal: FY 2025-26
02-Apr-25JV-001Bank500,000
02-Apr-25JV-001Capital500,000
05-Apr-25JV-002Insurance42,000
05-Apr-25JV-002Cash42,000
Trial balance check: Dr − Cr0 ✓
191 vouchers · 523 lines · 29 ledger accounts · GST 18% split 9+9 · SLM depreciation
Project 01 · Bookkeeping

The complete accounting cycle.

Sunrise Bakery, a fictional Delhi proprietorship: every transaction enters as a balanced double-entry voucher, then flows automatically: ledger → trial balance → P&L → balance sheet → monthly GST summary (India's VAT equivalent). Check cells turn red the moment anything stops tying out.

385 formulas 8 sheets 2 charts Dr = Cr ✓ A = L + E ✓
Open the workbook →
02
Revenue from operations, ₹ crore
150K100K50K0 75K50K25K0 122K147K154K163K179K FY22FY23FY24FY25FY26
Revenue · left axis Profit after tax · right axis
Revenue CAGR, FY22 → FY2610.09%
PAT CAGR7.41%
FY26 net margin · ROCE · D/E16.50% · 42.84% · 0.00
Project 02 · Financial analysis

Five years of Infosys, analysed.

Real consolidated data (FY2022–FY2026), sourced and cited on the Overview sheet. Common-size statements, YoY growth, CAGR, profitability and coverage ratios, plus ten written insights that name the strengths and the watch-outs, including the ₹1,289 Cr exceptional item in FY2026 that most summaries quietly bury.

187 formulas 7 sheets 2 cited sources 2 charts Exceptional item disclosed
Open the workbook →
03
FY 2025-26 variance vs budget
Revenue +2.9%
Gross profit +1.2%
Opex +3.4%
Marketing +14.6%
EBITDA −4.5%
− unfavourable0favourable +
Revenue ₹130m → ₹134m (≈ $1.35m → $1.39m)
EBITDA ₹15.6m → ₹14.9m (≈ $163k → $155k)
Marketing overspend of 14.6% without revenue follow-through: the story the dashboard tells.
Project 03 · FP&A

Budget vs actual: with a story.

A full-year variance pack for Nova Retail: 12 months × revenue, COGS and six departments, with rupee and percentage variances, favourable/unfavourable logic and green/red conditional formatting, all driven by 273 cross-sheet formulas. One coherent narrative: revenue ahead of budget, EBITDA behind it, and exactly why.

779 formulas 273 cross-sheet links 6 sheets 2 dashboard charts Fav / unfav logic
Open the workbook →
04
Outstanding by aging bucket: INR (₹) as of 31-Aug-2026
Current 878,600
1–30 days 436,560
31–60 days 543,820
61–90 days 441,400
90+ days 800,140
Total outstanding · 71.7% overdue₹3,100,520 ≈ $32k
Provision (policy 0–50%) → net receivable₹586,630 → ₹2,513,890
DSOS50.8 days
Project 04 · Receivables

Who owes us, and how late.

Tracks who has paid and who hasn't. Seventy sample invoices sort themselves into five age groups, flag the late ones, and show at a glance who to chase first.

617 formulas 70 invoices 5 aging buckets 7 sheets Buckets tie ✓
Open the workbook →
Capabilities

What I bring to the desk.

Not tool logos: working habits. Each one is demonstrated inside the workbooks above, with the actual cells that prove it.

Books that balance

Journal → ledger → trial balance → statements, with GST input/output tracked and reconciliation checks wired into every stage.

Trial balance Dr − Cr0 ✓
Assets − (L + E)0 ✓
GST output − input₹1,81,800

Analysis you can cite

Common-size, growth and ratio work grounded in named sources, with limitations and exceptional items disclosed rather than smoothed over.

Source 1smart-investing.in
Source 2stockscans.in
FY26 exceptional item−₹1,289 Cr

Reporting that explains why

Variance packs with fav/unfav conventions and dashboards that land one clear story instead of a wall of numbers.

Revenue vs budget+2.9%
Marketing overspend+14.6%
EBITDA vs budget−4.5%
Services

Finance support, scoped
for small teams.

The four engagements below map directly to the four portfolio workbooks: same process, same checks, your numbers instead of dummy data. Delivered remotely for businesses anywhere, with working hours that overlap the UK, EU and US East mornings.

01

Monthly bookkeeping & GST

Double-entry records maintained through the month, closing into a trial balance, P&L and balance sheet you can hand to your accountant (CA/CPA).

Deliverable: statements + GST input/output summary
02

Financial statement analysis

Multi-year common-size and ratio analysis of your filings or a competitor set, with a written read on what the numbers mean.

Deliverable: analysis workbook + insights memo
03

Budget-vs-actual MIS

Monthly variance reporting against budget with favourable/unfavourable logic and a one-page dashboard for management.

Deliverable: variance pack + KPI dashboard
04

Receivables & collections

Invoice aging, provisioning, risk tiers and a prioritised chase list, so overdue balances stop becoming bad debts.

Deliverable: aging report + collections worklist
Let's talk

Clean books. Clear decisions.

Hiring for a finance or accounting role, or need a bookkeeper for your business, wherever it's based? The workbooks are one click away: open them, change a cell, watch it recalculate.

gayathriunnithan0@gmail.com → Review the projects
Remote · worldwide IST · UTC+5:30 UK / EU / US East overlap English · Excel · Google Sheets