Kulthum Khalil

Results-driven Economics graduate (2:1, SOAS) with proven expertise in financial analysis, credit risk, FX markets, and operational optimisation within fast-paced, client-facing environments. Adept at translating complex data into strategic business insights, driving measurable operational improvements, and delivering actionable recommendations to senior stakeholders. Highly skilled in process analysis, cross-functional collaboration, and advanced data tools including Bloomberg Terminal, Excel modelling/automation, R, and Power BI.

Renowned for building trusted client relationships, leading stakeholder workshops, and rapidly adapting to new challenges. Deeply motivated to leverage analytical rigour, commercial acumen, and technology-driven problem-solving as a Data Business Analyst, enabling transformative outcomes for consulting clients at Credera.

Sales Associate - TK Maxx - London, United Kingdom

(2024-01)

• Demonstrated operational discipline and reliability in a fast-paced retail environment, consistently exceeding performance targets.
• Delivered excellent customer service while contributing to a 40% increase in sales through proactive customer engagement.
• Cross-trained across store departments, optimising workflow and supporting seamless operations under pressure.

Finance Intern - Argentex Group PLC - London, United Kingdom

(2024-07 - 2024-08)

• Rotated across risk, compliance, payments & settlements, operations, and sales, attaining 360° exposure to fund operations, trade lifecycle, and reconciliation critical to commercial success.
• Supported credit assessments by analysing financial statements and counterparty risk, preparing recommendations for Credit Committee review.
• Presented analytical findings and recommendations to the Credit Committee, receiving positive feedback from senior risk stakeholders.
• Analysed movements in EUR/USD, GBP/USD and USD/JPY using Bloomberg Terminal and market data, producing reports to support FX trading and risk discussions.
• Produced reports and presentations for senior stakeholders, including the CFO, translating complex financial data into actionable strategy.
• Identified inefficiencies in settlement procedures and proposed process improvements estimated to reduce operational risk by 25%.

Brand Ambassador - IBA Global - London, United Kingdom

(2023-07 - 2023-12)

• Surpassed Stage 3+ in business development programme, averaging 4 daily acquisitions and consistently outperforming sales targets.
• Mentored and led junior team members, achieving a 60% progression rate for direct mentees and fostering a high-performing, collaborative culture.
• Developed persuasive communication, resilience, and KPI-driven performance skills.

BSc (Hons) - Economics - School of Oriental and African Studies (2021-01 - 2024-01)

A Levels - Mathematics, Economics, Geography - Newham Collegiate Sixth Form Centre (2018-01 - 2020-01)

GCSEs - 11 subjects - Forest Gate Community School (2013-01 - 2018-01)