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Victoria Kruchevska, Finance Expert in Frankfurt am Main, Germany
Victoria Kruchevska

Finance Expert in Frankfurt am Main, Germany

Member since April 14, 2020
Victoria is a Chartered Financial Analyst and a certified Financial Risk Manager with 10+ years of experience in top-tier German and Swiss investment banks and a leading rating agency. She enjoys freelancing because it allows her to leverage her expertise and maximize the value for her clients. Victoria's expertise spans many areas, including credit risk, equity valuation, and IPOs of small and mid-sized technology companies.
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Career Highlights

Education

Select Certifications

Case studies

Industry Expertise

  • Finance
  • Banking
  • Investment Banking
  • Software
  • eCommerce
  • Financial Modeling

Software Expertise

  • Bloomberg

Other Expertise

Employment

  • Senior Credit Analyst for SME

    2020 - 2022
    KfW
    • Analyzed and evaluated the current business situation of German SME clients, including operational and financial due diligence and drafting the analytical research reports for the credit granting decision process.
    • Constructed interactive and robust financial models, including actual figures and forecasts, to assess financial and operating performance and derive relevant KPIs.
    • Developed and managed long-term financial plans that align with strategies and goals, including business plans, quarterly and yearly budgets, and cash and liquidity analysis.
    Focus areas: Credit Risk, Credit Analysis, Forecasting

  • Senior Financial Planner & Analysis Manager

    2020 - 2021
    Dropshop Inc.
    • Acted as the main finance custodian of operational data and conducted planning, tracking, analysis, and reporting of the operational performance.
    • Developed and managed long-term financial plans that align with strategies and goals, including business plans, quarterly and yearly budgets, and cash and liquidity analysis.
    • Established advanced financing reporting dashboards, such as bookings, retention rates, churn, customer acquisition cost, customer lifetime value, sales productivity, and the like.
    • Worked closely with the CEO/CFO to determine funding needs and strategy and explore financing deals. Improved the company's core finance and accounting processes and systems.
    Focus areas: Budgeting, Forecasting, Financial Modeling

  • Senior Financial Analyst for Technology/Software Sector

    2017 - 2020
    Commerzbank
    • Constructed interactive and robust financial models, including actual figures and forecasts, to assess financial and operating performance and derive relevant KPIs.
    • Analyzed and evaluated the current business situation of German software companies, including operational and financial assessment and drafting analytical research reports.
    • Created presentations for financial investors showcasing financial and operating development for German software companies.
    • Worked closely with C-level management to determine strategic goals, reporting needs, and key performance indicators.
    • Led the $60 million IPO of an emerging growth software company in Germany. Authored the offering memorandum and constructed the five-year financial model and underlying valuation.
    Focus areas: Investor Relations, Three-statement Modeling, Break-even Analysis, Investor Presentations, Valuation Multiples, Financial Modeling, Financial Reporting, Equity Research, Ratio Analysis, Equity Valuation, Financial Planning & Analysis (FP&A), Mergers & Acquisitions (M&A)

  • Financial Analyst for Industrial SME

    2017 - 2017
    Vontobel
    • Constructed interactive and robust financial models, including actual figures and forecasts, to assess financial and operating performance and derive relevant KPIs.
    • Built and maintained a detailed three-statement operating model and evaluated economic profitability for 10+ Swiss chemical companies.
    • Developed actionable investment theses and pitched ideas to internal corporate clients and external institutional investors by conducting comprehensive financial modeling and leveraging an in-depth understanding of equity markets.
    Focus areas: Investor Relations, Three-statement Modeling, Break-even Analysis, Investor Presentations, Valuation Multiples, Financial Modeling, Financial Reporting, Ratio Analysis, Equity Valuation, Equity Research, Financial Planning & Analysis (FP&A), Mergers & Acquisitions (M&A)

  • Financial Analyst for Small & Mid Cap Technology Portfolio

    2016 - 2016
    Equinet Bank
    • Constructed interactive and robust financial models, including actual figures and forecasts, to assess financial and operating performance and derive relevant KPIs.
    • Analyzed and evaluated the current business situation of German software companies, including operational and financial assessment and drafting analytical research reports.
    • Researched competitive market dynamics, understood critical industry drivers, and developed complex industry models for the semiconductor and equipment manufacturing markets.
    Focus areas: Ratio Analysis, Investor Relations, Three-statement Modeling, Break-even Analysis, Mergers & Acquisitions (M&A), Investor Presentations, Valuation Multiples, Financial Modeling, Financial Reporting, Equity Research, Equity Valuation, Financial Planning & Analysis (FP&A)

  • Credit Rating Analyst

    2014 - 2015
    Moody’s Investor Service
    • Developed detailed three-statement financial projections for 20+ diversified European manufacturers and energy service providers, informing the recommendation credit rating assignment.
    • Constructed comprehensive credit risk models and employed credit risk assessment techniques, including financial leverage and scenario analyses, debt structure, and maturity profile evaluation, as well as liquidity requirements of new and existing corporate clients.
    • Created investor slide decks to concisely present trends in the building and construction, manufacturing and energy service providers industries, financial projections, and peer analyses to support specific company credit risk assessment.
    Focus areas: Financial Modeling, Financial Reporting, Three-statement Modeling, Ratio Analysis, Credit Evaluation, Credit Risk, Financial Planning & Analysis (FP&A)

  • Credit Analyst

    2013 - 2014
    Bank of China
    • Led the credit analysis for a $500 million credit facility of a large Chinese industrial company, including a cash flow and covenants analyses, financial and operational due diligence, in-depth credit risk assessment, and presenting the findings in the bank's Credit Committee for the subsequent approval of the credit facility.
    • Built and maintained robust credit risk models and employed credit risk assessment techniques for credit lines of up to $50 million, letters of credit, and export-import financing, including development of risk scorecards and risk mitigation strategies, financial leverage, and liquidity requirements.
    • Performed the credit risk assessment of 30+ European and Chinese diversified manufacturing companies, including operational and financial due diligence and drafting the analytical research reports to inform the credit granting decision process.
    Focus areas: Credit Evaluation, Risk Analysis, Credit Risk, Financial Planning & Analysis (FP&A)

Education

  • Master's Degree in Financial Management
    2011 - 2015
    Heriot-Watt University - Edinburgh, Scotland
  • Bachelor's Degree in Business Administration
    2012 - 2012
    FOM University of Applied Sciences - Wiesbaden, Germany
  • Bachelor's Degree in Financial Management
    2005 - 2009
    Kiev Investment Management Institute - Kiev, Ukraine

Certifications

  • Financial Risk Manager (FRM)
    JUNE 2015 - PRESENT
    Global Association of Risk Professionals
  • Chartered Financial Analyst (CFA)
    JUNE 2015 - PRESENT
    CFA Institute

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