Matthew Lo, Finance Expert in New York, NY, United States
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Matthew Lo

Verified Expert  in Finance

Bio

An MIT and UPenn alumnus, Matthew has 15 years of experience at top finance firms and startups (Credit Suisse, Morgan Stanley Capital Partners, etc.), working on over $10 billion of capital-raising, M&A, and investment projects. He has worked with clients such as PE firms KKR and The Carlyle Group and worked at three startups, including a unicorn funded by Softbank. He is currently working on a new startup and is always eager to help fellow entrepreneurs and small business owners.

Career Highlights

Co-founder | Corporate Development and Finance
Fast Gourmet Group (East China Franchisee for Dunkin’ Donuts)
Investment Associate
Metalmark Capital
Investment Banking Analyst
Credit Suisse

Education Highlights

Master's Degree
MIT Sloan
Bachelor's Degree
University of Pennsylvania

Case Studies

Work Experience

Startup Consultant

2021 - PRESENT
FinAcct Consulting LLC
  • Assisted clients with financial analysis and modeling projects.
  • Performed financial analysis, including 3-statement models, cohort analysis, and CAC/LTV calculations. Assisted with financial reporting and pitch decks for a B2B marketplace whose investors include Kleiner Perkins, Tim Draper, and Y Combinator.
  • Carried out financial analysis projects, including 3-statement modeling and future operating projections for a recruitment AI platform startup.
  • Constructed a detailed, bottoms-up financial and operating model for a Unicorn Insurtech company, including five-year monthly projections built over 40 different product types and commission structures.
Focus areas: Financial Modeling, Three-statement Modeling, Pitch Decks, Financial Analysis, Operating Models, Budgeting, Financial Planning & Analysis (FP&A), Reporting, Fundraising, P&L Forecasting, Startups, Investment Banking, Venture Capital, Revenue & Expense Projections, Business Models, Seed Fundraising, Software as a Service (SaaS), Fundraising Consultant, Growth Strategy, Profitability Analysis

Part-time Instructor

2020 - PRESENT
Wall Street Prep
  • Taught financial modeling and valuation skills at the largest financial modeling training firm in the US. Clients include leading investment banks, private equity firms, Wharton, Harvard Business School, Princeton, etc.
  • Assisted with updating and revising a guide to investment banking and financial service industry interviews.
  • Prepared content for an online certification program covering financial modeling and valuation.
Focus areas: Financial Modeling, Three-statement Modeling, Leveraged Buyout Modeling, Private Equity, Valuation, Comparable Company Analysis, Transaction Comparables, Excel Expert, Leveraged Buyout (LBO), Corporate Finance, Fundamental Analysis, Software as a Service (SaaS)

Founder

2019 - PRESENT
The Emperor Card Group
  • Founded a travel startup helping tourists have fantastic trips.
  • Researched and created the business model and company strategy.
  • Built financial models to project needed funds, profitability, and valuation.
  • Created marketing materials for investors and partners.
  • Pitched potential employees, partners, and investors.
Focus areas: Fundraising, Financial Modeling, Pitch Decks, Financial Forecasting, Financial Planning & Analysis (FP&A), Venture Capital, Startups, Interim CFO, Forecasting, Financial Data, P&L Forecasting, Finance, Budgeting, CFO, Small & Medium-sized Enterprises (SME), Startup Funding, Early-stage Startups, Revenue & Expense Projections, Market Research, Seed Fundraising, Growth Strategy, Pricing, Profitability Analysis

Business Development and Head of Research | Business Strategy

2018 - 2019
HI Inc. (Tink Labs)
  • Served as a member of the leadership team of a unicorn travel technology startup with 600 employees, funded by Softbank.
  • Sourced and negotiated with potential partners and customers and assisted with fundraising.
  • Provided research and analysis on the travel industry and potential new products and business lines.
Focus areas: Financial Forecasting, Fundraising, Pitch Decks, Financial Planning & Analysis (FP&A), Venture Capital, Startups, Finance, P&L Forecasting, Forecasting, Financial Data, Reporting, Small & Medium-sized Enterprises (SME), Fintech, Startup Funding, Early-stage Startups, Revenue & Expense Projections, Fundraising Consultant, B2B, Strategy, Growth Strategy, Profitability Analysis

Executive Director | TMT Investments

2016 - 2018
HNA Group (International) Company Limited
  • Served as a senior investment professional in charge of sourcing, analyzing, and executing cross-border investments focusing on the technology, tourism, and financial services industries.
  • Reported directly to the HNA chief investment officer and prepared investment reports for the group chairmen and CEO.
  • Completed a $1.6 billion acquisition of the world’s second-largest airline catering company—Gategroup, Switzerland.
  • Sourced Series B investment opportunity for a hotel management software company in the United States.
  • Submitted approximately a $1.0 billion bid for the automated storage solutions company in Switzerland.
Focus areas: Financial Modeling, Investments, Venture Capital, Financial Forecasting, Private Equity, Three-statement Modeling, Insurance, Leveraged Buyout Modeling, Equity Research, Insurance Technology (Insurtech), Budgeting, Forecasting, P&L Forecasting, Finance, Financial Data, Reporting, Mergers & Acquisitions (M&A), Investment Memoranda, Business Analysis, Fund Management, Fintech, Consumer Services, Leveraged Buyout (LBO), Cross-border M&A, Early-stage Startups, Startup Funding, M&A (Buy-side), Market Research, Business Models, Seed Fundraising, B2B, Strategy, Deal Structuring

Co-founder | Corporate Development and Finance

2013 - 2015
Fast Gourmet Group (East China Franchisee for Dunkin’ Donuts)
  • Performed multiple roles involving strategy, finance, location evaluation, and data analysis as a management team member for this startup food and beverage company founded by Valor Equity (Tesla, SpaceX).
  • Evaluated and sourced all potential store locations, developed all store financial models and prepared investment memoranda for investors and the parent company.
  • Oversaw the entire company's capital budgeting plans, covering over 100 staff, growing to over 300 by year-end 2015, and an annual budget of approximately RMB 26 million.
Focus areas: Financial Forecasting, Financial Planning & Analysis (FP&A), Pitch Decks, Three-statement Modeling, Valuation, Startups, Financial Reporting, Excel Expert, Interim CFO, Reporting, Budgeting, Finance, Financial Data, Forecasting, P&L Forecasting, Small & Medium-sized Enterprises (SME), CFO, Consumer Services, Venture Capital, Early-stage Startups, FMCG, Food & Beverage, Startup Funding, Revenue & Expense Projections, Consumer Products

Investment Analyst (Summer)

2011 - 2011
Pine River Capital Management
  • Interned for a hedge fund with $16.0 billion of assets that has won numerous awards, including Relative Value Hedge Fund Manager of the Year for 2012 and 2013 by Institutional Investor and many others.
  • Focused on fundamental business analysis for Pan-Asian public equity opportunities; received a full-time offer as an investment analyst.
  • Prepared investment memorandum, conducted due diligence, and directly reported to portfolio managers (ex-SAC and ex-Highbridge).
  • Completed detailed financial models and company valuations for opportunities in the technology and consumer sectors.
Focus areas: Equity Research, Financial Modeling, Three-statement Modeling, Financial Analysis, Valuation, Investment Memoranda, Business Analysis, Market Research, Portfolio Management, Fundamental Analysis

Investment Associate

2006 - 2008
Metalmark Capital
  • Evaluated and executed investments for a private equity firm with $4 billion of AUM, focusing on healthcare, financial services, and natural resources formerly known as Morgan Stanley Capital Partners (rebranded as Metalmark Capital).
  • Handled all financial modeling of potential transactions for respective deal teams, including detailed bottoms-up models with five-year forecasted financial statements.
  • Prepared and assisted in presenting investment memoranda and analysis to the internal investment committee and firm CEO.
  • Collaborated with numerous chief financial officers, finance managers, lawyers, and accountants while performing acquisition due diligence and monitoring portfolio company performance.
Focus areas: Financial Modeling, Financial Planning & Analysis (FP&A), Valuation, Pitch Decks, Private Equity, Leveraged Buyout Modeling, Three-statement Modeling, Excel Expert, Equity Research, Budgeting, Finance, Financial Data, Forecasting, P&L Forecasting, United States, Intuit QuickBooks, Mergers & Acquisitions (M&A), Investment Memoranda, Business Analysis, Fund Management, Credit Analysis, Leveraged Buyout (LBO), Revenue & Expense Projections, Corporate Finance, M&A (Buy-side), Fundamental Analysis, Business Models, B2B

Investment Banking Analyst

2003 - 2006
Credit Suisse
  • Ranked top-tier among analysts globally and offered an early direct promotion (pre-MBA) to the associate.
  • Handled all financial modeling of potential transactions for respective deal teams.
  • Prepared memoranda to internal committees and presentations to clients for financing and M&A transactions.
Focus areas: Financial Modeling, Valuation, Financial Planning & Analysis (FP&A), Pitch Decks, Leveraged Buyout Modeling, Private Equity, Three-statement Modeling, Excel Expert, Equity Research, P&L Forecasting, Financial Data, Forecasting, Budgeting, Finance, United States, Intuit QuickBooks, Mergers & Acquisitions (M&A), Investment Memoranda, Business Analysis, Credit Analysis, Leveraged Buyout (LBO), Revenue & Expense Projections, Corporate Finance, M&A (Buy-side), Market Research, Fundraising Consultant, Debt Structuring, Deal Structuring, Apparel & Accessories

Fixed Income Analyst

2002 - 2003
AIG Global Investment Group
  • Served as the quantitative analyst for the fixed income portfolio of one of the largest global insurance companies.
  • Analyzed AIG’s entire $50 billion structured products portfolio of asset-backed securities, mortgage pass-throughs, CMOs, and CMBS on systems including derivative solutions, yield book, and bond studio.
  • Developed systems to analyze extremely large data sets, including AIG’s portfolio of over 8,000 positions, to monitor risk and profitability changes with duration, convexity, and weighted average life calculations.
Focus areas: Finance, Fixed Income, Debt, Credit Analysis, Modeling, Financial Analysis, Financial Modeling
2011 - 2012

Master's Degree in Management

MIT Sloan - Boston, MA, USA

2009 - 2010

Master of Business Administration (MBA) in Business Administration

Tsinghua University - Beijing, China

1998 - 2002

Bachelor's Degree in Electrical Engineering

University of Pennsylvania - Philadelphia, PA, USA

Finance

Financial Modeling, Valuation, Private Equity, Fundraising, Mergers & Acquisitions (M&A), Financial Planning & Analysis (FP&A), Three-statement Modeling, Leveraged Buyout Modeling, Comparable Company Analysis, Equity Research, Forecasting, P&L Forecasting, Budgeting, CFO, Investment Memoranda, Fund Management, Credit Analysis, Revenue & Expense Projections, Corporate Finance, M&A (Buy-side), Market Research, Profitability Analysis, Pricing, Financial Reporting, Debt, Cross-border M&A, Startup Funding, Fundamental Analysis, Seed Fundraising, Debt Structuring

Data & Analysis Software

Financial Data, Intuit QuickBooks

Industry Expertise

Venture Capital, Insurance Technology (Insurtech), Insurance, Apparel & Accessories, Early-stage Startups, Food & Beverage, Consumer Products

Geographic Expertise

United States

Other

Financial Forecasting, Financial Analysis, Market Sizing, Pitch Decks, Startups, Transaction Comparables, Excel Expert, Interim CFO, Small & Medium-sized Enterprises (SME), Business Analysis, Business Models, Growth Strategy, Investment Banking, Reporting, Consumer Services, Fintech, B2B, Investments, Benchmarking, Finance, Operating Models, Fixed Income, Modeling, Leveraged Buyout (LBO), FMCG, Portfolio Management, Software as a Service (SaaS), Fundraising Consultant, Strategy, Deal Structuring

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