i am a BBA graduate with 7.20 CGPA , a fresher who want to explore and get involves in financial market with a school that gives me best opportunities for finance fields like IB and Data analysis

working in f&b sector as a marketing associate

I am a finance professional with experience across private credit, multi-asset investing, and client advisory. I began my career at Schroders, where I supported senior portfolio managers in multi-asset research, macro analysis, and client deliverables. I later joined Arcmont Asset Management, working in a client-facing role that strengthened my understanding of private markets, fundraising strategy, and institutional investor needs.


Alongside professional experience, I hold the IMC and CFA Level I, and I am currently preparing for the GMAT Focus with the goal of pursuing a STEM-designated MBA in the US. My long-term ambition is to specialise in private equity, private credit, or sports-focused investing, combining analytical discipline with commercial execution.

EDUCATION

York University – Schulich School of Business Toronto, ON
Honors Bachelor of Business Administration, Specializing in Strategic Management and Finance Class of 2025
• GPA & Honors: 3.80/4.00; Dean’s Honor List; Recipient of $21,000 in Merit-Based Scholarships
• Achievements & Activities: Bain Conference (Top 3); IBM Competition (Top 3); JDC Business Strategy Delegate

PROFESSIONAL EXPERIENCE
Restaurant Brands International (RBI) Toronto, ON
Sales Strategy & Insights Intern May 2025 – August 2025
• Optimized the monthly reporting processes by designing a sales toolkit of dashboards and scorecards, enabling teams to evaluate new product launches more effectively, driving $170K in value through faster decision-making
• Analyzed customer and competitor datasets to identify performance trends and insights, shaping new value propositions and influencing retailer management strategies projected to deliver $220K in incremental sales
• Redesigned the supply chain workflows and forecasting accuracy by automating data aggregation for inventory shortage, giving stakeholders real-time visibility into product availability and increasing productivity by 15%

KPMG Canada Toronto, ON
Management Consultant Intern: Customer and Operations January 2025 – April 2025
• Streamlined a bank’s contact center operations by identifying $900K in savings through process enhancement, optimizing agent utilization and improving queue efficiency to reduce wait times and improve customer experience
• Developed a cost-optimization roadmap on PowerPoint by analyzing vendor spend drivers and prioritizing 16 initiatives based on value and complexity, enabling phased implementation to support client’s digitization efforts
• Advised on organizational improvements by redesigning the HR operating model through documenting end-to-end processes to align roles with workflows, boosting engagement and operational agility for 70+ employees
Risk Consultant Intern May 2023 – August 2023, May 2024 – August 2024
• Drove transformative change by implementing an agile audit approach, through strengthening controls and designing operational guides to improve process health while facilitating change management workshops for a retail client
• Assessed the use of AI for a capital markets client by conducting a root-cause investigation and evaluating 3 vendors, identifying 4 use cases that deliver better customer outcomes by enhancing back-office operations
Scotiabank Toronto, ON
Investigator Intern: Financial Intelligence Unit May 2022 – August 2022
• Developed interactive dashboards on Power BI to monitor investigator workload and transaction alert patterns, enabling better resource allocation and helping the team exceed performance targets by 35% through time savings
• Conducted investigations into potential financial crime by analyzing data from various sources including Oracle, to propose risk mitigation actions, presenting actionable insights to the bank’s senior leaders
• Collaborated with the analytics team to automate case-assignment process by analyzing the time-to-close each case and identifying manual task issues through investigator feedback, improving team productivity by 98%

LEADERSHIP EXPERIENCE
Catalyst Consulting Group - Pro-Bono Consulting Organization Toronto, ON
Senior Advisor, previously Managing Partner and Consultant October 2023 – April 2025
• Spearheaded growth by increasing member base and client count by 25% through enhancing social media presence
• Delivered three strategic initiatives for a diabetes non-profit by analyzing donor behavior patterns to launch a refreshed fundraising campaign, boosting brand visibility and engagement across Canadian local chapters

Schulich Protégé Program Toronto, ON
Thrive Conference Co-Chair, previously Vice President of Corporate Relations April 2022 – June 2025
• Secured $2,000+ in sponsorships through developing strong relationships by streamlining outreaching processes
• Led cross-functional planning and execution of conference workshops across Marketing and Finance teams, fostering collaboration and clear accountability, resulting in 95% satisfaction from attendees and representatives

26 Y/O Male Vietnamese-American


4 Years of experience at matriculation: 2 years at a local investment shop in Florida with a focus on residential investments/developments, industrial, and mixed-use assets. 2 years at a top 3 brokerage (CBRE, JLL, CW) as an analyst in Boston covering all asset types (Office, Industrial, Multifamily, Life Sciences, etc). Both valuable experiences towards my goal of starting a fund that invests/develops in Mixed-Use RE (think community focused developments such as Hudson Yards, IMG Academy, etc.).

I also started my own portfolio when I was in undergrad that invests strictly in single-family homes right now but looking to progress to investing in Commercial projects as I learn and save more capital. I've completed about 6-7 projects including the acquisition, rehab, refinancing/sale, and current property management of all these projects ($1.5-2M in assets). I try to take on 1-2 projects per year in addition to full-time work and plan to continue to build this. The idea is to pivot into REPE at a top fund for a couple of years after grad school and use what I've learned in Acquisitions, Development, and Brokerage to scale a fully integrated RE Investment company (hopefully by this time, my portfolio and track record will be strong enough to start raising capital for deals and do this full-time at a larger scale).

Went to my Public State school with a full scholarship
Business Undergrad at Top 30 university (Think UCSD, UVA, UF, UT)
GPA: 3.59

GMAT FE: 655 Q82 V84 DI82
Planning to take the GMAT one more time in mid Dec for a 675+

Very involved in my soccer community as a player and in volunteering (putting together community events and coaching kids aged 6-17)

I'm applying Round 2 to Wharton, Columbia, HBS, and maybe MIT for their MSRED.

Please let me know what you think and ways I can improve my profile for the best chances at the schools I'm applying to! Thank you.

Service academy graduate

Helicopter Pilot
Qualified as aircraft commander and mission commander 7 months ahead of squadron average
Only junior officer in command to achieve all advanced qualifications on first tour
Ranked #1 of 29 O-3s at command
Voted Pilot of the year by peers and leadership
6 of 39 Pilots selected to instruct at Fleet replacement squadron
Voted as pilot of the year by peers and leadership at 2nd command
East Coast standardization officer for our airframe. Responsible for evaluating and standardizing 9 operational squadrons
Ranked 3 of 42 O-3s at Fleet replacement squadron

non-HYP Ivy undergrad in finance/econ + humanities double

-> Lots of "usual" ECs, leadership in college and after
MBB 1.5 years -> PM @ AI unicorn -> VC
+T1 VC scout on side

(retaking GMAT soon, mocks were higher but blundered Quant on first take)

Work Experience:

• 4 years at a Tier-2 global management consultancy with fast-track promotion and MBA sponsorship
• International experience leading small teams and managing mid- to senior-level client stakeholders
• Recognized initiatives in social impact work (top 30% most impactful firm contributors), incl.
> Roles in global leadership teams for minority advocacy: i.e., Global program design teams for 1. Women Empowerment, and 2. Neurodiversity Inclusion
> Pro-bono leadership: led social impact research authoring a publication under the firm brand presented in inaugural public event on the subject mater

Additional Professional Experience
• Prior internships in Private Equity, Venture Capital, and Equity Research with local market players

Academics
• BSc (Hons) in Finance from local b-school
• Valedictorian, Top Scholar Award, and Top 4 in class admission ranking
• Achieved top 5% national university admission exams
• Finance Club President, Student Ambassador, Student Representative, Faculty Assistant

Profile summary:

Anjali Thakur (30, F)
10th- 88%(ICSE)
12th- 72%,(JAC Board, top 10)
B.Tech- 81% (Civil Engineering, from NIT Jamshedpur)
Work experience- 4 years and 4 months in Wipro Ltd. as a Senior Project Engineer.
Have led the team of freshers while working with clients like T-Mobile and Visa.
Extra curricular activities:
Organised the Technical fest of NIT Jamshedpur as the Student Council's Joint Technical Secretary, managing a footfall of over 4000 candidates.
Represented the batch's female candidates as the Hostel President in the hostel executive committee for a period of 3 consecutive years.

I resigned from my job in 2023 to prepare for competitive administrative exams like UPSC CSE and CAT and currently I am on a career break. Meanwhile, I have been shortlisted for the PGPM course of SPJIMR, class of 2027, based on last year's CAT score (CAT, 2024).
Should I appear for CAT this year again and plan for a 2 year MBA course or is my profile better suited for an executive MBA program. If the latter, then what should my GMAT focus edition score look like?

Recent fresh graduate from a Nanyang Technological University majoring in Mechanical Engineering (4.41/5.00 GPA).

GMAT FE 715
Currently I have ~1 YOE working in a leading Semiconductor Manufacturing firm in a strategy & operations role. Leading a project team in my current role.

previous internships in:
US-based PE firm (>US$10B AUM)
MBB Consulting
2 other smaller consulting firms

Few extracurricular activities in university, but no leadership role.

Planning to apply for 2028 MBA intake to Wharton, HBS, Columbia, and INSEAD; what are my chances?

1. Undergrad in Petrochemical Engineering (Summa cum Laude) (9.6 /10 CGPA; University topper)

2. Worked directly under Exec. Director (Board Member) of a Fortune 100 Company and delivered with excellence assignments under various themes. (Work Ex: 6.5 years)
3. Cross functional collaboration in role as FP&A analyst and later as a Senior FP&A Analyst. Promoted 3 times across 6 years; latest role held as Sr. Manager. Received business focused learning scholarship of ~$5000
4. Worked across two different businesses in the same company and was involved in Hedging strategy and addressing Business challenges (Delivered $0.7 Mn in unrealized Profit)
5. Had global collaboration and communication with teams across the US and Japan, and delivered $3 Mn in cost savings through strategic and opportunistic fuel buying for Operations.
6. Held various roles across Strategy, Planning, Operations and Business.

Extra curriculars-
1. Community volunteer at beach cleanup drive.
2. Convenor at Company's Toastmasters Club (held Area and Division level Championships)
3. Instructed and led Art & Craft Workshops for 200+ NGOs and Cancer hospitals across India.
4. National Level Gold medalist in Taekwondo
5. Portrait artist-sold 10 portraits

Certifications:
1. Data Statistics Foundation by CFA
2. Financial Modeling and Valuation Analyst (FMVA)
3. Statistics for Machine Learning for Investment Professionals by CFA Institute.

One Person Company (OPC) Registration in India

One person company registration(OPC)-India’s entrepreneurial landscape is rapidly evolving, and many solo founders are choosing the One Person Company (OPC) model to formalize their ventures. A One Person Company is a unique type of business entity introduced under the Companies Act, 2013, specifically designed to encourage small entrepreneurs to set up a registered company without needing partners or multiple directors.

As the name implies, an OPC is owned and managed by a single individual — acting as both the sole shareholder and the director. This structure is ideal for small business owners, independent consultants, and freelancers who wish to enjoy the legal benefits of a private limited company without involving additional stakeholders.

OPCs combine the simplicity of a sole proprietorship with the advantages of limited liability and a separate legal identity, making it a preferred choice for many modern-day entrepreneurs in India.

One Person Company (OPC)
Difference Between One Person Company and Sole Proprietorship

While both a One Person Company (OPC) and a Sole Proprietorship are managed by a single individual, they differ significantly in structure, legal status, and compliance requirements.

Legal Structure and Liability
An OPC is a separate legal entity, meaning the company and its owner are distinct in the eyes of the law. As a result, the owner’s liability is limited to the unpaid share capital held in their name. In contrast, a sole proprietorship has no legal distinction between the business and the owner, making the individual personally liable for any debts or legal claims against the business.
Tax Benefits
An OPC that qualifies under the Government of India’s Startup India scheme can avail of income tax benefits, including exemptions for a period of up to five years. Sole proprietors, on the other hand, are taxed as individuals based on personal income slabs and do not enjoy similar startup-related incentives.
Succession Planning
In the case of an OPC, the owner is required to nominate a person who will take over the company in case of the owner’s death or incapacitation. This ensures business continuity. For sole proprietorships, succession typically depends on a will, which can be disputed or delayed through legal proceedings.
Compliance Requirements
An OPC must comply with several legal formalities, including annual return filings and statutory audits, much like any other private limited company. A sole proprietorship has fewer compliance obligations and only needs to conduct an audit under Section 44AB of the Income Tax Act, 1961, if its turnover exceeds specified limits.
Reasons to Incorporate a One Person Company (OPC)

Selecting the right business structure is a critical decision for any entrepreneur, as it shapes the company’s legal identity, compliance obligations, and financial strategy. In India, the One Person Company (OPC) has emerged as a popular choice for solo founders who seek limited liability along with full control over their business operations. Here are the top reasons why registering an OPC can be a smart move:

Simplified Incorporation Process
Setting up an OPC is straightforward and streamlined. With just one person required to act as both director and shareholder, the registration process involves minimal paperwork and fewer regulatory steps compared to other business structures like private limited companies. This makes it an attractive option for first-time founders.
Protection Through Limited Liability
One of the standout benefits of an OPC is limited liability. The shareholder’s responsibility for the company’s debts is limited to the capital they have invested. This means personal assets remain protected even if the business faces legal claims or financial losses.
Full Ownership and Quick Decision-Making
OPCs are designed for single owners, giving them complete control over the business. With no need to consult partners or co-directors, the founder can make swift decisions, implement strategies efficiently, and manage the business without external interference.
Stronger Market Credibility
An OPC enjoys greater recognition and credibility compared to unregistered entities like sole proprietorships. Having a distinct legal identity enhances the company’s reputation and makes it easier to build trust with customers, vendors, and financial institutions.
Access to Funding Opportunities
OPCs can raise funds through equity or debt, just like private limited companies. They can issue shares, secure loans from banks, or seek financial assistance from investors. This access to capital allows entrepreneurs to scale their businesses more easily.
Taxation Benefits
OPCs are eligible for the same tax benefits offered to private limited companies. They can claim deductions, exemptions, and other tax reliefs. Moreover, founders can also utilize personal tax benefits for investments, insurance premiums, and savings under individual income tax laws.
Business Continuity Through Nominee System
One of the key features of OPCs is perpetual succession. At the time of incorporation, the owner must nominate a successor. In the event of the owner’s death or incapacity, this nominee can take over the company, ensuring seamless continuity without legal disruptions.
Step-by-Step OPC Registration Process

Obtain Digital Signature Certificate (DSC)
The first step OPC registration in Pune is to get a DSC for the director. This is required to sign digital documents during the registration process.
Apply for Director Identification Number (DIN)
The next step in OPC registration in India is to apply for a DIN through the SPICe+ form.
Name Reservation
The next step in OPC registration in Pune is to Choose a unique name for your OPC and apply through the RUN (Reserve Unique Name) service on the MCA portal.
Draft Incorporation Documents
Prepare the Memorandum of Association (MoA), Articles of Association (AoA), and other documents, including the nominee’s consent form.
File SPICe+ Form
Submit the SPICe+ form (INC-32) along with the required attachments to the Ministry of Corporate Affairs (MCA).
Obtain Certificate of Incorporation
Once verified, the MCA issues the Certificate of Incorporation along with PAN and TAN details.
Documents Required for OPC/One Person Private Limited Company Registration

Company Name (4 Names)
Company Phone No.
Company Mail ID
Object (Nature of Business)
Initial Capital Contribution by Shareholder (MinimumRs.1 /-)
Proof for Place of Business-
Self-attested copy of utility bill of registered office address within 60 days Any One -(Electricity/ Telephone/Mobile/Gas Bill) having similar name and address as that of ownership proof
Ownerships Proof- Index II or Property Tax bill or Sale deed or rent agreement in the name of company
No objection letter from owner of the said property.
Details of Directors/Shareholder and Nominee Person
DPIN (If Already Director in Any LLP or Company)-
Self-attested copy of ID Proof (Passport/Voter ID/Driving License)- Directors /Shareholder and Nominee Person
Self-attested copy of Address Proof within 60 days (Electricity/Telephone/Mobile Bill/Bank statement) having similar name
Directors / Shareholder and Nominee Person Passport size photo
Email Id Directors/Shareholder and Nominee Person
Mobile Number of Directors/Shareholder and Nominee Person
Place of birth of Directors /Shareholder and Nominee Person
Education Qualification of Directors /Shareholder and Nominee Person
Occupation of Directors /Shareholder and Nominee Person
Residential status of Directors /Shareholder and Nominee Person
Citizenship of Directors /Shareholder and Nominee Person
DSC if available else we will apply
Period of stay at present address (Year Months) of Directors /Shareholder and Nominee Person
Capital Contribution of Shareholder
Self-attested copy of PAN of -Directors/Shareholder and Nominee Person
Looking to Register an OPC in Pune or nearby areas? We specialize in OPC Registration and offer end-to-end solutions for One Person Company registration in Pune. Whether you’re a solo entrepreneur, consultant, or small business owner, our expert One Person Company registration consultants are here to assist you with a smooth and hassle-free experience.

From name approval to Company Incorporation, we handle the entire OPC registration process with precision and compliance. Our services are designed to help you Register a OPC quickly and efficiently, all through a fully digital process. You can now Register OPC online from the comfort of your home or office with our expert guidance.

Background -> Tier 2 US University seeking Deferred MBA, will graduate/apply with a 3.4-5 GPA double major in Accounting & MIS. Post-graduate role will be in Consulting (Non-strategy Management Consulting at a Big 4 firm). Throughout college worked a lot of internships to support self & parent with brain cancer (8 internships, 3 at F500, 2 public accounting, rest were part-time or local firms), leadership positions including school newspaper chief, President for major-related society on campus, and Treasurer for 4 organizations (1 business related, others were cultural-related). 1 National Merit-Based scholarship, multiple department/endowed merit-based scholarship, and Pell Grant student. Winner/finalist as a representative for university for competitions.


Founded a non-profit in college with >$50,000 for low-income families, partnered with government bodies & university to ensure it runs after graduation - largely the reason was because I got aid through a similar organization when I was caring for my parent. On my MIS side, founded a small business (only 1 client) based around deployment of Gen AI model on cloud-based system for automation of marketing campaigns, ran for ~3 months (not sure if I should include on applications since it's not huge). Post-MBA, I want to take my consulting experience and use the MBA to learn more about the strategic aspect of business/transactions as a stepping stone in my larger career goal of becoming a mid-size company CFO. Hopefully would land at Columbia/Anderson for East/West IB, and with the mix of IB/MBA be in a stronger positioning for financial leadership experience in 7 yrs.

Can't seem to crack 655 on GMAT FE, so really curious if anyone thinks I have a realistic shot at T15 or M7 for deferred applications. I know my app isn't as "wow" as a lot of other candidates with huge IB and Ivy backgrounds, but after working for a year on my GMAT I would just like to see what people generally think, and if it's worth the money to try to apply since I'm still caring for my parent and don't have a huge amount of funds. Saving up right now for a retake of the GMAT when I can afford it, hoping to be able to crack a 685.