In today’s unprecedented technological revolution of massive disruptions in conventional business cycles, I intend to create one of my own. My goal is to lead the fintech revolution in banking and finance. I was born in a small town in India where everyone aspired to a decent job that paid the bills.
However, my ambitions extended far beyond. To-date, I have thoughtfully crafted an academic path that melds my interest in Finance and Technology and integrates my logical thinking skills from Engineering studies with the quantitative rigour of Economics. Consequently, I have developed a thought process unique among my peers, who tend to follow a single school of thought. Further, through my strategic job and internships selection, like learning about the nuances of negotiation at ONGC, or a P internship in sales and strategy that forced me to address my introverted personality, I have built the soft skills essential to leadership and change management.During college, I began to understand the value of data science and machine learning in Finance. Upon graduation, I decided to launch a career in decision sciences, and joined Citigroup. From revamping the promotion strategy for a Fortune-500 company (estimated impact: $300 million) to proposing, designing and developing, after 2 years of relentless pursuit, one of the first customer-centric marketing strategies in Citi Retail Services, I have gained tremendous understanding of analytics and its impact on a company’s strategy.
To reach my goal, my next step will be to dive deep into pure finance via a quantitatively demanding MBA.What sets Wharton apart from other schools, besides its quantitative excellence, is the curriculum flexibility. The Finance and Management majors will enhance my knowledge of the broader finance industry, while Fintech and Technology electives will help me merge my consumer analytics experience with the advancements in the financial world.
Further, my experience in process overhaul at Citi showed me that two skills will be critical to achieving my long-term goal: negotiation and change management, two domains in which Wharton offers specific electives. Finally, Wharton’s focus on student clubs resonates strongly with my belief in learning while doing, and from one’s peers. While my engagement with the Wharton Finance Club would help me build a strong network of like-minded associates and gain industry knowledge, I could also apply my analytics experience by working as an officer in the MIT Fintech and Innovation and Design club.Post-MBA, I would seek a Product Manager role in a finance organisation such as Citi, which has started to embrace technology as an innovation spearhead.
In a multidisciplinary role, starting from new fintech and machine-learning based applications in consumer banking, my first goal would be to navigate the regulatory environment towards assimilation and development of tech-based alternate lending and investment products. Some five years of leading such organisational changes coupled with my Wharton finance and leadership skills would prepare me to start my own advisory firm that would guide any division of a financial organisation through technology integration and innovation.