Віктор

WIKTOR ŁOZA
Finance & Accounting Student | Financial Modelling & M&A
[відкрити контакти](див. вище в блоці «контактна інформація») • [відкрити контакти](див. вище в блоці «контактна інформація») • Warsaw, Poland

EXPERIENCE & PROJECTS

CRH Materials Polska | Warsaw, Poland Jul 2026 – Present
Strategy & Development / M&A Intern
– Led standalone analysis of 3 years of project-level revenue and cost data for a live acquisition target during active
negotiations; findings used without revision, validated directly by the S&D Director and Executive Business Director
– Built a comparable company analysis across CRH and ~30 competitors (Holcim, Heidelberg, Cemex) spanning 5 years
of financials, cleaned for related-party distortions, for MD-level review
– Modeled vertical integration synergies for a $100M+ transaction
– Authored the macro, market, and target sections of the Non-Binding Offer submitted to leadership for approval
– Mapped the competitive structure of the Polish paving materials market, including financials, footprint, and share for
the national top 10 and regional leaders, building the concentration analysis now used as the team's reference base
Mint XXI | Warsaw, Poland Jun 2025 – Sep 2025
Finance Intern
– Analyzed gold market dynamics amid a demand-driven price surge; recommended and presented a long position to
the CFO as a cost hedge, adopted by management and resulting in margin expansion as prices rose
– Built a full 3-statement model for a new coin collection launch, incorporating inventory financing and capex
requirements, to project breakeven and cash generation timing
CUBE Student Organisation | SGH Warsaw Sep 2025 – Present
Co-Founder & Head of External Relations
– Secured institutional partnerships with Genesis (Ukraine's largest IT company) and Metinvest (€10B+ steel and mining
group) as Co-Founder of CUBE within its first year
Equity Research — PKN Orlen (WSE) & Rheinmetall (ETR) Feb 2026 – Mar 2026
– Built full 3-statement models and DCFs with 7-year forecast horizons for both companies; applied scenario analysis
using the 2022 Ukraine supply shock as a stress precedent for oil and gas inputs
AI Business Process Automation Aug 2024 – Mar 2026
– Built and deployed two AI agents for a live business: one centralising sales/inventory data via inbox parsing, one
managing Google Maps reviews at scale with monthly sentiment reporting
Ukrainian Army Fundraising — Plast & Online Auctions Jan 2023 – Nov 2024
– Coordinated outreach and supplier negotiations for a live charity auction in Lviv and an online auction series,
collectively raising over 2,000,000 UAH for the Ukrainian Army

EDUCATION

Warsaw School of Economics (SGH) Oct 2024 – Jun 2027
BSc Finance & Accounting — GPA 4.7
Lancing College Sep 2022 – Jun 2024
A-Level Programme, West Sussex, United Kingdom

SKILLS & LANGUAGES
Languages: Polish (Native) | Ukrainian (Native) | English (C2, IELTS 8.5) | Spanish (B2)
Technical: Excel (Advanced) | Powerpoint (Advanced) | Financial Modelling (DCF, LBO, EV/EBITDA, FP&A) | Comparable
Company Analysis | Financial Statement Analysis | SQL (Basic) | No-code AI Automation | AI Fluency