Professional Work Experience

Research Assistant, Auckland University of Technology, Auckland

Contributing to multiple finance and data-driven research projects focused on ESG investing, valuation, and text analytics. Responsibilities include data collection, variable creation, statistical modelling, and algorithm development using Python, SAS, and SQL. Data sources include Morningstar, Refinitiv, Compustat, Yahoo Finance, and APIs.

Key Projects:

• ESG Investments in NZ Mutual Funds: Analysed 18-year holdings-level data to assess ESG performance and fund behaviour. Developed variables such as ESG tilt, fund/ESG flows, volatility, alpha measures, and downside risk.

• Residual Income Valuation Model: Built a time-series residual income valuation framework for US stocks using fundamental data from Compustat.

• Geopolitics Google Sentiment Indicator: Designed algorithms to scrape and process Google Trends data into a sentiment index aligned with the Geopolitical Risk Index (Caldara & Iacoviello). Supports weekly and monthly analysis.

• Earnings Call Text Analytics: Developed automated pipelines to process 14,000+ conference call transcripts (2002–present). Computed linguistic and geopolitical risk metrics to assess market impact.

GitHub repositories include detailed codebooks and algorithms for all projects.

March '24 - Sept '25

Oct '19 - Jan '23

Wealth Manager, Bank Of Baroda, Haldwani Region, India

Specialised in designing and managing comprehensive wealth portfolios for high-net-worth and priority banking clients. Responsibilities included developing personalised investment strategies, asset allocation, and risk diversification across products such as insurance, mutual funds, equities, bonds, credit facilities, and loans against securities.
Oversaw end-to-end portfolio management, ensuring that each client’s financial plan aligned with their long-term objectives, liquidity needs, and market conditions. Maintained full compliance with regulatory and anti–money laundering (AML) frameworks, including verification of fund sources and adherence to investment guidelines.
Contributed to the digital transformation of banking services by encouraging clients to adopt digital platforms for investment execution, portfolio tracking, and financial inclusion—supporting broader national initiatives for transparent and technology-driven finance.
Demonstrated expertise in client relationship management, portfolio performance analysis, and cross-selling of wealth products, consistently achieving financial and growth targets at both branch and regional levels.

Sept '17 - Oct '19

Personal Banker, HDFC Bank, Mumbai

Handled a 360-degree banking and wealth management portfolio comprising over 350 high-value clients, including retail customers, HNIs, and NRIs, maintaining strong and long-term relationships with significant branch value. Focused on client acquisition, retention, and personalised financial advisory, ensuring each client’s portfolio was aligned with their financial goals, liquidity needs, and regulatory requirements.
Skilled in communication, negotiation, and client relationship management, effectively addressing customer concerns and ensuring service excellence while consistently identifying cross-selling and up-selling opportunities across banking and investment products.
Managed a broad suite of financial products, including CASA deposits, home loans, car loans, MSME loans, insurance solutions, and market-linked investments such as mutual funds and structured products. Provided specialised guidance to NRI clients on Indian banking regulations, taxation, and investment compliance, ensuring smooth cross-border financial management.
Proactively collaborated with internal teams to enhance customer experience, drive digital adoption, and achieve portfolio growth targets while adhering to compliance and operational standards.

Jan '15 - Sep '17

Deputy Manager, Kotak Mahindra Bank, Mumbai

Corporate Banking & Relationship Management
Managed key corporate salary relationships for major organisations, including Accenture, Capgemini, Cognizant, Reliance Jio, Mahindra, and TCS in Mumbai. Oversaw acquisition and servicing of new-to-bank (NTB) clients and handled end-to-end banking requirements for employees through customised financial solutions.
Worked across multiple product lines — CASA, insurance, mutual funds, loans, and credit cards — with a focus on cross-selling, portfolio deepening, and enhancing client satisfaction. Conducted corporate desk activities and employee induction programs at partner organisations to promote banking products and drive retail business growth.
Delivered personalised banking services to high-net-worth corporate clients through on-site engagement and doorstep relationship management, ensuring superior service experience and long-term client retention.

Call Centre Executive, Noida, India (2012 - 2013)

While completing my bachelor’s degree, I worked in call centres, gaining practical experience in customer engagement, outbound sales, and professional telephone etiquette. My role involved cold-calling for commercial real estate listings and running subscription sales campaigns for SimplyMarry.com (handled by Bcube IT Services for The Times of India Group; the site is now discontinued). This early exposure sharpened my client communication, objection-handling, and target-driven sales skills — capabilities that helped me secure a role at Kotak Mahindra Bank after graduation

2012 - 2103