Aarti Patel

I am a First-Class BSc Hons Economics and Finance graduate currently working as a Credit Risk Analyst Consultant within financial services. Through my experience in credit risk, pricing analytics, and audit, I have developed strong analytical, problem-solving, and stakeholder management skills. I enjoy using data and technology to improve processes, investigate complex issues, and support business decision-making, and I am particularly interested in roles that combine analytics, strategy, and financial services.

Credit Risk Analyst Consultant at 4Most (2025-09 – Present)

• Developed Probability of Default (PD) models using SAS and Python to support credit risk assessment.
• Supported Virgin Money, a Tier 1 bank, in developing a debt collections emulator, using SAS for macro development, data merging, and process automation.
• Worked closely with clients to tailor and deliver a high-quality emulator aligned with their debt collections requirements.
• Tested an AI-enabled validation tool aimed at improving the efficiency of model validation and documentation review processes.

Credit Associate at Third Bridge (2025-04 – 2025-09)

• Developed a strong understanding of investor needs and credit market dynamics to support client research.
• Built and managed expert networks, connecting investors with industry specialists to deliver high-quality insights.

Audit Trainee at Forvis Mazars (2024-09 – 2024-12)

• Conducted invoice vouching for audit testing.
• Performed bank reconciliations.
• Assisted with stock take procedures and inventory verification.

Finance Intern at Alliance Healthcare (2023-07 – 2023-09)

• Prepared and reviewed bank and balance sheet reconciliations (Excel)
• Generated month-end accruals and prepayment journals (SAP)
• Reviewed prior year and current year financial statements for statutory accounts.

Industry and Services Audit Intern at Mazars (2023-07 – 2023-07)

• 1 of 20 chosen from a group of 500 applicants.
• Vouched for invoices.
• Won an award for the 'Most Exceptional Intern'.

Pricing Analyst at RSA Group (2022-07 – 2023-07)

• Composed retention and conversion reports for the partner clients (SAS)
• Updated rates following change in inflation or agreed commission.
• Introduced a process to update postcode data on a quarterly basis (R)

Social Mobility Foundation Group Leader at JPMorgan (2021-07 – 2021-08)

• Acted as a mentor for interns enrolled on the programme, supporting in given projects and monitoring participation.

Intern Step-In Step-Up Programme at Morgan Stanley (2019-08 – 2019-08)

• Was given a hypothetical scenario to invest £1 million for a given client description and worked in a group to create an investment portfolio and pitch the idea to a team of senior investors.

Intern (Returners Programme) at JP Morgan Asset Management (2019-07 – 2019-07)

• 1 of 30 applicants selected from a group of over 100 students.
• Evaluated ESG reports and gathered research from articles and reliable sites used by JPMorgan to come up with my own judgement of strengths and weaknesses of the environmental, social and governance characteristics of several UK listed companies.
• Presented my findings to a group of investors.

Intern (Aspiring Professionals Programme) at JP Morgan Asset Management (2018-07 – 2018-07)

• Researched five companies as part of a team to predict and rank the fastest and slowest growing companies in the next five years.
• Delivered a pitch of our findings and prediction to a group of senior investors.

BSc Hons in Economics and Finance – University of Surrey (2019 – 2024-07)

A Level in Economics, Maths, English Literature – Barking Abbey Sixth Form (2018 – 2019)

AS Level in Biology – Barking Abbey Sixth Form (2018 – 2019)

GCSE in Maths, English Literature, English Language, Science Core, Science Additional, Science Triple – Barking Abbey Comprehensive School (2012 – 2017)

BTEC in Music – Barking Abbey Comprehensive School (2012 – 2017)