Riya Chaudhary

Financial & Risk Analyst

Visa Status: Student visa → 2-year Graduate visa (Oct 2026)

Sponsorship: Not currently required

Location: London, UK

MBA FinTech + CA Foundation qualifier with hands-on DCF/credit-risk experience via JPMorgan & Goldman Sachs job simulations. Proficient in financial analysis, regulatory compliance, and data-driven decision making.

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Professional Summary

MBA FinTech Management candidate and CA Foundation qualifier with a B.Com foundation in accounting, financial reporting and audit. Experienced in financial statement analysis, payments and bank reconciliation, bookkeeping, and regulatory/AML-KYC compliance, with applied exposure to credit risk assessment, M&A valuation (DCF) and financial modelling through JPMorgan Chase and Goldman Sachs job simulations.

Proficient in Excel, SQL and Power BI for data analysis and reporting.

Seeking graduate roles in: FinTech • Investment Banking • Financial Analysis • Accounting

Core Competencies

Comprehensive skill set across finance, compliance, and technology

Financial & Risk Analysis

Financial Modelling & Valuation (DCF)
Credit Risk Analysis
Financial Statement & Ratio Analysis
Budgeting & Forecasting
M&A Valuation

Regulatory & Compliance

AML/KYC Compliance
FCA/PRA/NCA Regulatory Frameworks
FATF Global Standards
CDD, EDD, SAR Preparation
Transaction Monitoring & Risk-Based Compliance
Bank & Payments Reconciliation

Tools & Data Analytics

Advanced Excel & Financial Modelling
SQL & Database Management
Power BI & Data Visualization
Bloomberg Terminal
Digital Banking Systems
AI Productivity Tools

Professional Experience

Hands-on experience in accounting and financial operations

Accounting Intern

Ashutosh Agrawal & Co., India

Jul 2024 – Sep 2024

Prepared, reviewed and reconciled financial statements and management reports for 8+ clients, maintaining 100% regulatory compliance across all submissions
Maintained stock registers and transaction records across multiple client portfolios; coordinated financial documentation between clients and suppliers, achieving zero discrepancy in monthly closing
Streamlined bookkeeping workflows and supported audit preparation, cutting reconciliation turnaround by 20% through process standardisation

Flagship Research Project

MBA Dissertation - Applying investment banking frameworks to real-world fintech challenges

Compliance Risk and Fintech Valuation: A Critical Case Study of Revolut Through Investment Banking Due Diligence Frameworks

Applies investment banking due diligence (Rosenbaum & Pearl, 2022) and valuation frameworks (DCF, comparable company analysis, venture capital method) to a real, live regulatory/valuation puzzle.

Key Finding: Despite a €3.5m AML fine from the Bank of Lithuania (Apr 2025), Revolut's valuation grew from $45bn (Aug 2024) to a reported $115bn (Jul 2026) — no sustained valuation discount was observed from the compliance failures.

+156%

Valuation Growth
(Aug 2024 → Jul 2026)

+288%

Pre-tax Profit Growth
(2023 → 2025)

0.005-0.008%

AML Fine as % of Valuation
(2025)

Research Questions Addressed:

Confirmed a genuine gap between practitioner assumption that AML failures damage valuation and limited rigorous evidence testing it
Applied due diligence and valuation frameworks to Revolut's disclosed record: no sustained valuation discount observed
Found that growth expectations and evolving interpretation of regulatory signals explain the divergence

View Full Dissertation

Applied Projects & Simulations

Practical application of financial analysis and risk management skills

JPMorgan Chase - Investment Banking Job Simulation

Feb 2026 | Forage Platform

Identified an M&A target aligned to client strategic and financial criteria
Built a DCF valuation model and stress-tested it against a competitor bid and supply-chain disruption
Produced a client-ready 2-page summary covering company profile and auction process

Goldman Sachs - Risk Management Job Simulation

Jun 2026 | Forage Platform

Performed individual credit risk analysis using quantified financial data to evaluate personal finance and real estate lending scenarios
Applied critical thinking and quantitative analysis to assess financial implications and inform risk-based lending decisions

Financial Analysis - Reliance Industries Limited

2024 | Self-Directed Project

Conducted a 3-year financial analysis (FY2022–24) using published annual reports, evaluating 12+ ratios across profitability, liquidity and leverage
Analyzed 5 revenue segments across retail, energy and telecom to assess market positioning and deliver data-driven recommendations for shareholder value improvement

Education

Strong academic foundation in finance, accounting, and fintech

MBA, FinTech Management (Level 7)

University of East London, UK | Sep 2026

Modules: FinTech Strategy, Business Insight Project, Next-Generation Marketing, Strategy & Leadership, Mental Capital

Bachelor of Commerce (B.Com)

Dr Bhim Rao Ambedkar University, India | 2022 – 2025

Accounting, taxation, financial reporting, auditing and financial statement analysis

CA Foundation Examination

Institute of Chartered Accountants of India | Dec 2022

A-Levels & GCSE Equivalents

Kanha Makhan Millennium School, India | 2020 – 2022

A-Levels equivalent: 85% | GCSE equivalent: 93.2%

Certifications

Industry-recognized credentials enhancing technical expertise

Bloomberg Market Concepts (BMC)

Completed Oct 2026

Self-paced Bloomberg certification covering economics, currencies and fixed income, taken on the Bloomberg Terminal

Bloomberg Terminal Training

Aug 2026

Market data navigation, equity & fixed income analytics, economic indicators - University of East London

Anti-Money Laundering Certification

Aug 2026

FCA/PRA/NCA regulatory frameworks, FATF global standards, CDD, EDD, SAR preparation, transaction monitoring, risk-based compliance approaches, AML governance

Leadership & Volunteering

Demonstrating commitment to community and professional development

Tax and Accountancy Clinic Volunteer

Jun 2026 – Ongoing | University of East London

Student-run clinic providing free tax and accountancy support/guidance - relevant hands-on, UK-based volunteering reinforcing accounting/compliance skill set

Volunteer Teacher

Feb – May 2025 | Orphanage, India

Designed and delivered structured maths and English lessons to 15+ children (ages 6–14) over 3 months, tracking measurable numeracy and literacy gains through weekly assessments

Blood Donation Camp Coordinator

2023 – 2024 | Dr Bhim Rao Ambedkar University

Coordinated university blood donation camps across 2 consecutive years for 200+ participants - managing donor registration, volunteer scheduling and liaison with medical staff