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Are you struggling to make sense of complex financial data or communicate your company’s story through numbers? I am Zainab Latif, a CFA Level III passer and Top Rated Plus Financial Analyst with over 10 years of experience helping businesses and investors make smarter financial decisions. I can help companies to turn raw data into actionable insights through clear, interactive reports and economic models. Additionally, I provide academic writing and research support, delivering high-quality content for students, researchers, and professionals. With 10+ years of experience in financial modeling, valuation, forecasting, and performance benchmarking, I turn raw financial data into insights that investors, founders, and executives can actually use. Whether you’re preparing for fundraising, expansion, or internal strategy planning, I build models that tell your story in numbers. What I Deliver 3–5 Year Financial Projections (Startup & SaaS-ready) Financial reports Investor-Ready Dashboards & Pitch Deck Models Valuation Models (DCF, Comparable, Pre-Money/Post-Money) Budgeting, Forecasting & Sensitivity Analysis Financial Benchmarking & Competitive Research KPI Design & Performance Reports Why Clients Hire Me Top-rated on Upwork with consistent 5-star feedback Blend of finance + strategy + storytelling, not just numbers Fast, reliable, and fully transparent communication Excel, Google Sheets, Power BI, and financial automation expertise My goal is straightforward: to help you see the complete financial picture, make informed decisions, and impress investors with confidence. Let’s connect and discuss how I can turn your data into your strongest decision-making tool. Financial clarity starts with the right model. Let’s build yours. 🏆 Top Rated Plus Freelancer on Upwork 🎖 Chartered Financial Analyst Level III Passer

I'm a 𝐓𝐎𝐏 𝐑𝐀𝐓𝐄𝐃 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐌𝐨𝐝𝐞𝐥𝐢𝐧𝐠 𝐀𝐧𝐚𝐥𝐲𝐬𝐭 and 𝐄𝐱𝐜𝐞𝐥 𝐒𝐩𝐞𝐜𝐢𝐚𝐥𝐢𝐬𝐭 with 𝟏𝟎 𝐲𝐞𝐚𝐫𝐬 of experience building fully automated, fully linked financial models across real estate development, startups, SaaS, e-commerce, LBO transactions, DCF valuations, 3-statement integrated models, healthcare, construction, restaurant & hospitality, film & media financing, and corporate finance — delivered clean, auditable, and professionally structured whether you're a real estate developer raising LP equity, a startup founder pitching seed investors, an e-commerce operator forecasting growth, or a private equity analyst running an LBO. I also build Excel calculators, finance tracker sheets, automated bookkeeping workbooks, and KPI dashboards, and as a 𝐂𝐞𝐫𝐭𝐢𝐟𝐢𝐞𝐝 𝐐𝐮𝐢𝐜𝐤𝐁𝐨𝐨𝐤𝐬 𝐏𝐫𝐨𝐀𝐝𝐯𝐢𝐬𝐨𝐫 I handle full-cycle bookkeeping, reconciliations, and financial reporting for SMBs, all with advanced Excel formulas and dynamic assumptions so that changing one input instantly flows through the entire workbook with no broken links, no manual updates, and no Excel headaches. 𝐅𝐈𝐍𝐀𝐍𝐂𝐈𝐀𝐋 𝐌𝐎𝐃𝐄𝐋𝐒 𝐈 𝐁𝐔𝐈𝐋𝐃 𝐒𝐭𝐚𝐫𝐭𝐮𝐩𝐬 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐌𝐨𝐝𝐞𝐥𝐬 & 𝐁𝐮𝐬𝐢𝐧𝐞𝐬𝐬 𝐏𝐥𝐚𝐧𝐬 • Investor-ready 3-statement financial models (Income Statement, Balance Sheet, Cash Flow) • Seed to Series A financial projections with runway analysis • Pitch deck financials, cap table modeling, and funding round scenarios • Feasibility studies and business viability assessments 𝐑𝐞𝐚𝐥 𝐄𝐬𝐭𝐚𝐭𝐞 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐌𝐨𝐝𝐞𝐥 • Development proformas (residential, commercial, mixed-use, multifamily) • Acquisition & disposition models with hold period analysis • LP/GP waterfall distributions (preferred return, catch-up, carried interest) • S-curve lease-up, vacancy modeling, and rent roll analysis • IRR, equity multiple, CoC return, and sensitivity analysis 𝐕𝐚𝐥𝐮𝐚𝐭𝐢𝐨𝐧 & 𝐂𝐨𝐫𝐩𝐨𝐫𝐚𝐭𝐞 𝐅𝐢𝐧𝐚𝐧𝐜𝐞 • DCF models with WACC, terminal value (exit multiple & perpetuity), and sensitivity tables • Fully linked 3-statement models (P&L, balance sheet, cash flow) • LBO models with debt schedule, FCF bridge, credit metrics, and Bear/Base/Bull scenarios • Comparable company analysis (comps) and precedent transactions • M&A models with synergy analysis and pro forma financials 𝐒𝐚𝐚𝐒 & 𝐓𝐞𝐜𝐡 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐌𝐨𝐝𝐞𝐥 • SaaS financial models with MRR/ARR build, churn, LTV/CAC, cohort analysis • Subscription and recurring revenue models • Unit economics dashboards and growth forecasting 𝐄-𝐂𝐨𝐦𝐦𝐞𝐫𝐜𝐞 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐌𝐨𝐝𝐞𝐥 • E-commerce financial models (D2C, dropshipping, Amazon FBA, subscription box, wholesale) • Revenue forecasting with AOV, conversion rate, and customer acquisition cost drivers • Inventory planning models and COGS breakdowns • Working capital and cash flow optimization models 𝐇𝐞𝐚𝐥𝐭𝐡𝐜𝐚𝐫𝐞 & 𝐎𝐭𝐡𝐞𝐫 𝐈𝐧𝐝𝐮𝐬𝐭𝐫𝐢𝐞𝐬 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐌𝐨𝐝𝐞𝐥 • Budget Impact Models for healthcare decision analysis • Insurance product analysis with multi-year return projections • Construction and project finance models • Restaurant, hospitality, and F&B proformas • Film & media financing models (tax credits, presales, gap financing) 𝐄𝐗𝐂𝐄𝐋 𝐓𝐎𝐎𝐋𝐒, 𝐂𝐀𝐋𝐂𝐔𝐋𝐀𝐓𝐎𝐑𝐒 & 𝐓𝐑𝐀𝐂𝐊𝐄𝐑𝐒 Beyond full models, I also build standalone Excel tools for day-to-day financial management: • 𝐂𝐚𝐥𝐜𝐮𝐥𝐚𝐭𝐨𝐫𝐬: Mortgage, ROI, break-even, loan amortization, rent vs. buy, payback period, profit margin • 𝐅𝐢𝐧𝐚𝐧𝐜𝐞 𝐓𝐫𝐚𝐜𝐤𝐞𝐫𝐬: Budget trackers, expense logs, cash flow trackers, net worth sheets, variance analysis • 𝐁𝐨𝐨𝐤𝐤𝐞𝐞𝐩𝐢𝐧𝐠 𝐒𝐡𝐞𝐞𝐭s: Income & expense logs, bank reconciliation, P&L trackers, AR/AP trackers, payroll & invoice logs • 𝐃𝐚𝐬𝐡𝐛𝐨𝐚𝐫𝐝𝐬: Dynamic Excel dashboards with charts, slicers, dropdowns, and scenario toggles for real-time business visibility 𝐀𝐂𝐂𝐎𝐔𝐍𝐓𝐈𝐍𝐆 & 𝐁𝐎𝐎𝐊𝐊𝐄𝐄𝐏𝐈𝐍𝐆 Certified QuickBooks ProAdvisor with hands-on experience in: • Full-cycle bookkeeping and chart of accounts setup • Bank reconciliations and month-end close • Financial reporting (P&L, balance sheet, cash flow statement) • Payroll tracking and expense categorization • QuickBooks setup, cleanup, catch-up bookkeeping, and ongoing support for SMBs • Migration from spreadsheets to QuickBooks 𝐖𝐇𝐀𝐓 𝐒𝐄𝐓𝐒 𝐌𝐘 𝐖𝐎𝐑𝐊 𝐀𝐏𝐀𝐑𝐓 Top Rated on Upwork with 5-star reviews and excellent client feedback. Every model is fully automated and fully linked , advanced formulas, color-coded formatting, assumptions dashboards, scenario toggles, and sensitivity tables included as standard. On-time delivery, clear communication, and revisions until you're 100% satisfied. Message me and I'll tell you exactly how I'd approach your project within a few hours.

Data Scientist | AI & ML Engineer | Data Analyst | Python | SQL | Power BI | LLM & RAG Hi, I'm Shahab 👋 Most businesses are sitting on data they're not using and drowning in manual work they shouldn't be touching. I build the machine learning models, AI applications and dashboards that fix both and I make sure they actually ship, not just sit in a notebook. Over the past 5+ years I've helped companies turn messy data and repetitive workflows into predictive models, LLM-powered tools, and BI dashboards their teams actually use to make decisions. 🔧 𝗪𝗵𝗮𝘁 𝗜 𝗰𝗮𝗻 𝗵𝗲𝗹𝗽 𝘆𝗼𝘂 𝗯𝘂𝗶𝗹𝗱: - Data analysis & exploration, turning messy raw data into clear answers and insights - Statistical analysis & A/B testing, hypothesis testing, significance, and confidence behind your decisions - Data visualization & Power BI dashboards, reports non-technical stakeholders actually understand - Predictive & forecasting models, churn, demand, pricing, classification - AI assistants and chatbots powered by LLMs (OpenAI, Hugging Face) - RAG systems that let a model answer from YOUR documents and data - Power BI dashboards that turn raw data into clear, decision-ready reporting - Python automation that removes hours of manual work every week - End-to-end data pipelines cleaning, processing, deployment 🛠️ 𝗠𝘆 𝗧𝗼𝗼𝗹𝗸𝗶𝘁: - 𝗗𝗮𝘁𝗮 𝗦𝗰𝗶𝗲𝗻𝗰𝗲 & 𝗔𝗻𝗮𝗹𝘆𝘀𝗶𝘀: Python, Pandas, NumPy, R, RStudio, SQL, Excel - 𝗦𝘁𝗮𝘁𝗶𝘀𝘁𝗶𝗰𝘀: SciPy, statsmodels, hypothesis testing, regression, A/B testing - 𝗠𝗮𝗰𝗵𝗶𝗻𝗲 𝗟𝗲𝗮𝗿𝗻𝗶𝗻𝗴: Scikit-Learn, TensorFlow, PyTorch, XGBoost - 𝗟𝗟𝗠𝘀 & 𝗚𝗲𝗻𝗲𝗿𝗮𝘁𝗶𝘃𝗲 𝗔𝗜: LangChain, RAG, Vector DBs, OpenAI, Hugging Face, AI Agents - 𝗩𝗶𝘀𝘂𝗮𝗹𝗶𝘇𝗮𝘁𝗶𝗼𝗻 & 𝗕𝗜: Power BI, Plotly, Matplotlib, Seaborn - 𝗔𝘂𝘁𝗼𝗺𝗮𝘁𝗶𝗼𝗻 & 𝗗𝗲𝗽𝗹𝗼𝘆𝗺𝗲𝗻𝘁: FastAPI, REST APIs, Docker, AWS, Streamlit, Git/GitHub Whether it's a machine learning model, an AI chatbot, a RAG application, a Power BI dashboard, or an automation that buys back your week send me a message or invite me to your job. Tell me the problem you're trying to solve and I'll tell you the best way.

Ph.D. Scholar in Econometrics with strong expertise in econometric theory, advanced statistical modeling, and quantitative research in economics, Finance, and Business. Experienced in applying econometric techniques, causal inference methods, forecasting models, and data-driven analytics to address complex economic and business challenges. I help researchers, businesses, and policymakers turn complex data into actionable insights through advanced econometric modeling, statistical analysis, and quantitative research. My work goes beyond data analysis—I focus on selecting appropriate methodologies, validating assumptions, ensuring analytical rigor, and delivering reliable results for academic research, policy analysis, business intelligence, and strategic decision-making. I provide reproducible analyses, clear interpretations, and publication-ready reports that meet professional and academic standards. Most research and business challenges are not solved by applying more statistical tests—they are solved by asking the right research questions and selecting the right analytical framework. That's where I add value. As a Ph.D. Scholar in Econometrics and university lecturer, I help researchers, businesses, development organizations, and policymakers transform complex data into actionable insights through rigorous econometric analysis, statistical modeling, and evidence-based research. ⤷ Ph.D. Scholar in Econometrics ⤷ University Lecturer & Researcher ⤷ Extensive Experience in Economic, Business & Policy Research ⤷ Advanced Expertise in STATA, R, SPSS, Python, Tableau & Power BI ⤷ Strong Background in Quantitative Research & Data-Driven Decision Making 𝗪𝗵𝗮𝘁 𝗜 𝗱𝗼: → Econometric Modeling & Quantitative Research → Economic, Business & Policy Analysis → Spatial Econometric Data Analysis → Statistical Analysis & Data Modeling → R Programming, STATA, SPSS & Python Analytics → Regression Analysis (OLS, Logistic, Probit, Tobit, IV & GMM) → Panel Data Analysis (Fixed Effects, Random Effects & Dynamic Models) → Time Series Analysis, Forecasting & ARIMA Models → Causal Inference & Impact Evaluation → Difference-in-Differences (DiD),Propensity Score Matching (PSM), Regression Discontinuity Design (RDD) → Structural Equation Modeling (SEM) → Survey Data Analysis & Socioeconomic Research → Machine Learning for Economic & Business Applications → Data Visualization, Dashboards & Business Intelligence → Academic Research, Thesis & Dissertation Support → Publication-Ready Tables, Figures & Reports → Reproducible Research & Transparent Analytical Workflows 𝗪𝗵𝗼𝗺 𝗜 𝘄𝗼𝗿𝗸 𝘄𝗶𝘁𝗵: Researchers, Ph.D. and Master's students, universities, development organizations, NGOs, government agencies, policy analysts, economists, financial analysts, consultants, and businesses seeking robust quantitative analysis, econometric modeling, forecasting, and evidence-based decision support. 𝗪𝗵𝗮𝘁 𝗺𝗮𝗸𝗲𝘀 𝗺𝘆 𝘄𝗼𝗿𝗸 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁: I do more than generate statistical output. I help clients understand the story behind the data, select appropriate methodologies, validate assumptions, interpret findings correctly, and communicate results effectively. If a model is unsuitable, I recommend a better alternative. If assumptions are violated, I identify and address the issue. My goal is to deliver results that are academically rigorous, professionally credible, and practically useful. 𝗧𝘆𝗽𝗶𝗰𝗮𝗹 𝗽𝗿𝗼𝗷𝗲𝗰𝘁𝘀: → Econometric analysis for academic research → Policy impact evaluation and program assessment → Panel data and longitudinal data modeling → Economic forecasting and time-series analysis → Survey data analysis and socioeconomic studies → Business intelligence and performance analytics → Thesis, dissertation, and journal publication support If you have a dataset, a research question, or a project requiring rigorous quantitative analysis, feel free to send me a message. I will assess your requirements and provide a clear roadmap for achieving your research or business objectives.

✅ Economist | Real Estate Underwriting & Property Management Support | 15+ Years of Experience I help businesses, investors, and property owners make smarter, data-driven decisions while also streamlining their real estate operations. With 15+ years of experience in economic modeling, research, and feasibility studies, I specialize in building solid business cases and investment strategies. Alongside my economics background, I offer comprehensive real estate support — from underwriting and deal analysis to day-to-day property management admin tasks. This unique mix allows me to assist both at the strategic level (investment, valuation, feasibility) and the operational level (management, tenant relations, back-office support). 📊 Core Expertise -Economic & financial modeling -Market research & feasibility studies -Business case development -Real estate underwriting (rehab estimates, ARV, comps, offer pricing) Property management admin support: • Utility switchovers • Tenant screening & lease management • AppFolio entries & accounting support • Rent collection & reconciliations • Tenant troubleshooting & communications 💡 Why clients hire me Strong analytical and operational background -Proven results in both investment analysis and property management -Dependable, personable, and easy to work with -Ability to provide additional resources to build “virtual arms” for your company — scaling operations seamlessly with virtual assistants and back-office support If you’re looking for a partner who brings rigor to analysis and reliability to operations, let’s connect. I can help you not only understand the numbers but also run your properties efficiently while giving you bandwidth to focus on growth.

📈 Track Record: ✔ 100% Job Success Score - Top Rated Plus on Upwork ✔ 75+ completed engagements across the US, UK, and Australia ✔ Valuation models delivered for live acquisition decisions ✔ Due diligence reports built for multi-million dollar transactions ✔ ERISA benefit plan audits completed for a US-based CPA firm ✔ PCAOB audits completed for US-registered public companies Are you making a major financial decision - buying a business, approaching investors, or reviewing performance - without being fully confident the numbers behind it are right? That gap between surface-level numbers and financial truth is exactly where I work. After years inside Deloitte and EY, I developed something most financial professionals never sharpen: the ability to look through financial statements and find what's actually driving - or threatening - a business. Today I bring that Big 4 rigour to investors, entrepreneurs, and business owners who need real financial clarity, not just a polished report. ✅ What I Do: 📊 Business Valuation & M&A Due Diligence Full valuation models using DCF, market comparables, and asset-based approaches - built to hold up under scrutiny in real acquisition decisions. 🔍 Financial Health & Performance Reviews Deep-dive analysis of profitability, liquidity, efficiency, and risk - with a clear action plan attached. 📁 Investor-Ready Financial Packages Financial statements, projections, and KPI dashboards built to impress investors and lenders. ⚖️ Forensic & Advisory Analysis Unexplained losses, vendor payment audits, fraud risk assessments - I find what others miss. 📋 CFO Advisory & Internal Controls Finance function setup, SOPs, internal controls gap assessment, and compliance reviews. 🌍 IFRS Reporting & Cross-Border Financials IFRS vs GAAP conversions, foreign subsidiary reporting, and transfer pricing documentation. 🔧 Tools I Use: QuickBooks | Xero | MYOB | Excel | Google Sheets | CaseWare | IFRS Frameworks | Engagement Manager 🎯 Credentials: CPA | CISA | MIPA - IPA Australia | AFA - UK | Deloitte If you need a valuation, a due diligence report, a forensic review, or CFO-level financial analysis - send me a message with what you're working on. 📩 I respond within hours.