Arzoo Kumari

Jamnalal Bajaj Institute of Management Studies | Finance | M.M.S. (2023 – 25)

Pine Labs | PRoelio 9.0 - National Finalists | Equity Valuation | Strategym Committee
Degree Institute Board % / CGPA Year
M.M.S. Jamnalal Bajaj Institute of Management Studies Autonomous 7.30/10 2025
B. Com (Accounts) Patna Women’s College, Bihar Autonomous 7.96/10 2022
AISSCE St. Joseph’s Convent High School I.C.S.E. 88.0% 2019
SSC St. Joseph’s Convent High School I.C.S.E. 84.0% 2017
ACADEMIC ACHIEVEMENTS
• Ranked amongst the top 5% in my 6th semester of (B. Com) with an exceptional score of 9.5 CGPA 2022
Eruditions • Achieved an ‘A’ grade in 12th standard in ‘Economics’ with an exceptional score of 95% and above 2019
• Secured an ‘A’ grade in Home Science, English, and Hindi for achieving 90%+ scores in 10th standard 2017
Competitive Exams • Secured an All-India Rank of 26 in AIMA’s 2023 MAT with a perfect 800/800 score and 99.99 percentile 2023
• Performed comprehensive academic research on ‘Brand Extension’s Impact on Brand Personality’ 2022
• Achieved ‘A’ grade from external reviewers for in-depth study project on Business Research of above 2022
Co-Curricular
• Ranked 1st out of 150 students in the Intra-School Spelling Bee competition held in 10th standard 2017
• Won the Inter-school zonal debate competition outperforming other participants from 30+ schools 2017
• Completed a Credit Risk Analysis course on Udemy by Tanuja Yadav, mainly for Bankers and Analysts 2024
• Completed ‘The Complete Investment Banking Course’ taught by Prof. Ned Kraste offered by Udemy 2024
Certifications • Certified in Financial Modelling and Valuation from FinLadder, along with Excel & Advanced Excel 2024
• Completed the ‘Basics of Stock Market’ and ‘Magic of Mutual Funds’ course by CA Rachana Ranade 2024
• Certified in ‘Technical and Fundamental Analysis’ of the Stock market course by CA Rachana Ranade 2024
SUMMER INTERNSHIP Pine Labs (Sales Intern) Apr ’24 – May ’24 (2 months)
Project Title: Merchant Engagement Optimization
• Defined 9+ KPIs, developed tracker tool & provided support for adoption and continuous improvement processes
• Engaged with 15+ stakeholders, conducted training, built activity tracker, and support for effective implementation
• Identified bottlenecks hindering RM productivity, including administrative burdens, and motivational barriers
Responsibilities
• Proposed 6+ effective solutions to optimize RM efficiency, streamlined operations, & incentivized performance
• Translated a Ready Reckoner, outreached to 500+ merchants & 100+ RMs & KAMs PAN India, deployed tracker
• Created a product deck for the RMs & KAMs & extended the potential DCC list with 300+ merchants across India
• Enhancing the tracker boosted sales, and accountability, leading to increased sales and improved planning
Business Impact • Improved organizational growth through market expansion, customer relationships, & team performance
• Improved customer satisfaction, DCC awareness, activity transparency, and simplified product understanding
KEY PROJECTS UNDERTAKEN
• Assessed company's financial performance using analysis of key liquidity and profitability ratios
Tata Steel 2024
• Identified and analysed budget variances to provide actionable recommendations for improvement
• Analysed RBI policies & their impact on loan pricing and profitability in banking and NBFC sectors
Bajaj Finserv 2024
• Optimized loan pricing to mitigate regulatory risks and enhance profitability, especially for SMEs
• Conducted research and analysis of competitor loan rates and terms using publicly available data
Kutumbh Care 2024
• Analyzed the effectiveness of online marketing (social media, Google Ads) on loan application volumes
Equity Valuation • Prepared an equity research report & valuation model for Shree Cement & analyzed cement industry
2024
FinShiksha • Constructed a discounted cashflow (DCF) & relative valuation model assisted by football field analysis
PRoelio 9.0, SIBM • Top 6 out of 160+ teams, developed a strategy for effective stakeholder management
National Finalists
Pune • Devised an extensive PR strategy with press statement and media channels to be used
Brandwidth, JBIMS • Placed 2nd out of 500+ teams by analyzing the nutraceutical industry & market trends National First Runner-
Mumbai • Developed strategic plan including channel selection, product line, & global expansion ups
POSITIONS OF RESPONSIBILITY
• Selected as a member of the strategym committee from 150+ students, demonstrating leadership
Strategym
• Researched 50+ speakers & 20+ companies’ products, services, leadership profiles & industry updates 2023-24
Committee, JBIMS
• Designed information documents to assist batch in terms of business awareness, GL engagement
CSR Committee • Organised Mumbai University's Munijan initiative | Served as the event's Master of Ceremony (MOC) 2024
Catalyst Forum • Volunteered in the induction process conducted by the student body for the batch of MMS’2026 2024
• Elected as a cabinet member 1 out of 25 of the college cabinet committee amongst 300+ students
Cabinet Committee,
• Organized a grand Shravani Mahotsav event with 150+ enthusiastic college student participating 2022
PWC
• Organized a college guest lecture, offering students diverse industry perspectives & career insights.
EXTRA CURRICULAR ACHIEVEMENTS
Competitions • Achieved 1 place in ad-mad college-level competition, outperforming 7 other participating teams
st
2022
• Won the tug-of-war, 100m, and 200m athletic races at the intra-college level sports competition 2022
Sports
• Ranked as 1st runner up and represented school in the inter-school basketball sports competition 2017
• Registered stem cell donor with Marrow Donor Registry, supporting cancer treatment & recovery 2024
• Participated in the Slum Children’s Education Program for a duration of 1-month in Patna, Bihar 2023
Social work
• Dedicated volunteer for the “Paritosh” NGO, working for children welfare, disaster management 2023
• Joined the Eco Task Force, planting around 30 plants for a week for their conservation initiative 2022
Female | 22 Years | +91 82523 88459 | [email protected]