Risk Management Student · FRM II Candidate

Bhavya
Pandit

Financial Risk Management student with hands-on experience at the Reserve Bank of India. Passionate about financial risk, climate risk frameworks, and data-driven decision-making.

✉ Email ↗ LinkedIn ↗ Substack → My Work
9.8 / 10 CGPA
FRM Part I Passed
RBI Summer Intern
Latest Achievement
FRM Part I Certified
GARP · June 2025
Key Research
Climate Risk & Central Banks
Independent · 2025
Extra-curillar Achievement
1st Place · Case Study Competition
E-Cell, Jai Hind College · 2023
Latest
Blog
Reading between Disclosures: Climate Risk through a Due-Diligence Lens
5th June, 2026
Read →
Tool
SIP Calculator — Interactive financial planning tool
June 2026
Try it →
Risk Monitoring· Stress Testing· Scenario Analysis· Fixed Income· ESG & Climate Risk· VaR & CVaR· MS Excel· Due-Diligence· Risk Governance· Stakeholder Management· Risk Monitoring· Presentation· Teamwork· Business Management· ESG & Climate Risk· VaR & CVaR
Work

Experience

May – Aug 2025
Reserve Bank of India
Summer Intern · Risk Monitoring Department
📍 Mumbai, India · On-site
  • Supported monitoring and assessment of financial, operational, and reputational risks impacting central bank operations.
  • Assisted in development of risk governance and disclosure frameworks aligned with regulatory expectations.
  • Analysed financial and risk datasets using Advanced Excel to support internal risk reporting and decision-making.
  • Presented analysis findings in structured written reports to internal stakeholders.
  • Collaborated cross-functionally with internal teams in a fast-paced regulatory environment.
Risk MonitoringExcelRisk GovernanceRegulatory
Recognition

Achievements

🥇
1st Position – Case Study Competition 2023
Entrepreneurship Cell & Skill Hub, Jai Hind College
🥉
Bronze Medal – Intra-college Athletic Meet
Shotput · 2024–25
Background

Education & Certifications

2023 – 2026
Bachelor of Commerce (B.Com)
Management
Jai Hind College, University of Mumbai
CGPA: 9.8 / 10
Financial Management Economics Statistics International Business Accountancy
GARP
Financial Risk Manager (FRM)
Global Association of Risk Professionals
✓ Passed Part I · June 2025
◷ Candidate Part II · Expected Sept 2026
Quantitative Analysis Market Risk Credit Risk Valuation & Risk Models Operational Risk
Competencies

Skills

Risk & Compliance
Risk Monitoring · Risk Reporting · Stress Testing · Scenario Analysis · Sovereign Risk · Credit & Market Risk · Fixed Income & Yield Curve · VaR & CVaR · Financed Emissions
Regulatory Knowledge
RBI Regulatory Environment · Basel Frameworks · SEC Frameworks · TCFD · NGFS · BIS · ECB · Banque de France
Data & Reporting
Microsoft Excel (Intermediate) · Python (Foundational) · Statistical Analysis · Structured Report Writing
Governance & Languages
Risk Governance Frameworks · ESG & Climate Risk · Stakeholder Communication · English (IELTS 8.5) · Hindi (Native)
Writing & Work

Blogs & Projects

Blog Posts
5th June, 2026
Reading between Disclosures: Climate Risk through a Due-Diligence Lens
As climate-related disclosures become more scrutinised by regulators, investors, and the public, climate due diligence is beginning to converge with traditional risk screening. In this article, I explore what that means for client onboarding, reputational risk, and the questions firms should be asking when reviewing sustainability disclosures.
Read →

💡 Stay tuned as the blogs are about to roll out soon.

Interactive Tool
Finance Tool · June 2026

SIP Calculator

An interactive Systematic Investment Plan calculator with scenario analysis, growth visualisation, and tailored recommendations.

SIPCompoundingMutual FundsFinancial Planning
Try it →
Featured Project
Research · Sept 2025

Climate-related Risks for Central Banks

An independent research project applying NGFS climate scenarios to sovereign bond stress testing, evaluating yield sensitivity under climate transition pathways.

  • Conducted sovereign bond stress testing using NGFS climate scenarios to assess yield sensitivity and transition risk.
  • Performed scenario analysis evaluating potential yield shifts under climate transition pathways.
  • Evaluated climate exposure of portfolios using WACI, linking findings to risk concentration.
  • Applied frameworks from TCFD, Bank of England, BIS, NGFS, ECB, and Banque de France.
NGFS ScenariosSovereign BondsTCFDWACIClimate Risk