From Business Operations to Structured Finance
This repository documents my journey from understanding how business operations generate cash flows, to how assets are managed and valued, how firms allocate capital, and ultimately how cash flows are structured, financed and monitored in capital markets.
It consolidates my quantitative background in Maths & Stats, professional experience in retail and commercial real estate analytics, and ongoing development in financial modelling, real assets, credit and structured finance.
The portfolio is organised around analytical progression rather than career chronology, and around a progressively more abstract understanding of the same analytical object: cash flow.
Every business tells a different story, but every balance sheet ultimately tells the story of cash flows. Although industries differ, they are fundamentally solving the same analytical problem:
How do business activities generate cash flows, and how can those cash flows be forecast, measured, allocated, analysed, valued and ultimately structured?
Each volume in this repository builds on the previous one, moving from business operations to asset management, then to corporate finance, and finally to structured finance.
Business → Assets → Capital → Risk → Structured Cash Flows
The long-term objective is to develop a unified analytical framework that connects Applied Mathematics, Business Analytics, Corporate Finance and Structured Finance through the common language of cash flow.
This portfolio is built on three principles.
Business First
Every model starts with a real business problem rather than a technical exercise.
Mathematics in Practice
Mathematical concepts are valuable only when they improve business judgement and decision-making.
From Analysis to Decisions
The objective is not simply to build models, but to support better operational, financial and investment decisions.
Business Analytics through Forecasting, Planning and Decision Making
Core Question
How do business drivers translate into forecasts, budgets and management decisions?
Topics include:
- Demand Forecasting
- Rolling Forecast
- Budgeting & OTB
- KPI Design
- Variance Analysis
- Inventory Optimisation
- Management Reporting
Commercial Real Estate Analytics
Core Question
How do commercial assets generate, sustain and improve cash flows?
Topics include:
- Market Research
- Catchment Analysis
- Tenant Mix
- Leasing Analytics
- NOI
- Asset Budgeting
- Marketing ROI
- Business Planning
Corporate Financial Analysis
Core Question
How are operating cash flows translated into corporate financial performance?
Topics include:
- Financial Statements
- Cash Flow Forecasting
- DCF Valuation
- Liquidity Analysis
- Capital Allocation
- Financial Modelling
Credit & Capital Management
Core Question
How do financing structures influence risk and cash flow?
Topics include:
- Debt Analysis
- DSCR / ICR / LTV
- Covenant Monitoring
- Refinancing
- Stress Testing
- Credit Risk
Structured Cash Flow & Research
Core Question
How can cash flows be structured, distributed and protected?
Topics include:
- Waterfall Models
- ABS / CMBS
- Tranching
- Portfolio Surveillance
- Structured Credit
- Independent Research
Each project follows a consistent framework.
Business Problem → Business Logic → Mathematical Thinking → Model Development → Analysis → Decision Support
Every project integrates:
- Excel
- SQL
- Python
with practical business applications and management deliverables.