Rhea Kaur Saini

Dynamic professional with expertise in client relationship management and customer service, complemented by strong financial analysis skills including DCF, due diligence, and competitor research. Demonstrates exceptional risk and compliance awareness alongside effective stakeholder engagement and communication. Adept at problem-solving in fast-paced environments, leveraging multilingual business communication skills in English, Hindi, Punjabi, and German. Proficient in Microsoft Excel, Word, and PowerPoint for reporting and data analysis. Committed to driving organisational success through strategic insights and collaborative efforts.

Sustainability, innovation in banking & mobility, financial markets, computing, journalism

• Financial Modelling & Analysis: Built a DCF model during J.P. Morgan's Investment Banking virtual experience, providing valuation for an M&A deal and adjusting for competitor bids, directly developing transferable financial analysis skills.
• Risk Management: Produced a red flag due diligence report during Gateley's M&A simulation, identifying client exposure and presenting clear mitigation strategies – skills critical for assessing creditworthiness and structuring deals in commercial banking.
• Governance & Compliance Insight: Explored the impact of regulatory frameworks on decision-making through NatWest's Legal, Governance & Regulatory Affairs Programme, aligning with HSBC's focus on risk-managed growth.
• Operational Efficiency: At Morrison's' Flowerworld, proposed stock-flow improvements that reduced delivery delays and minimised compliance risk by ensuring supplier accountability.
• Customer Satisfaction: Consistently recognised in customer-facing roles (Sainsbury's & Independent Retailer) for professionalism under pressure, enhancing trust and loyalty with clients.

Winner of national poetry competition (Empowered Anthology). Author of 8 Billion Stories but You Still Picked Mine (Amazon).

• J.P. Morgan – Investment Banking Virtual Experience | Apr 2024
• Researched potential M&A targets, using both financial and strategic criteria.
• Built a discounted cash flow valuation model to calculate potential acquisition value.
• Prepared a detailed client briefing document including valuation summary and competitor landscape analysis.
• Gateley – M&A Simulation (Forage) | Nov 2024
• Drafted a completion agenda for a corporate acquisition, working under tight deadlines.
• Conducted due diligence and prepared a red flag report with recommendations on legal and financial risks.
• Strengthened understanding of the interaction between corporate law, finance, and client interests.
• NatWest – Legal, Governance & Regulatory Affairs Programme | Aug 2023
• Gained insights into corporate governance and risk management within a global bank.
• Learned how compliance and regulation shape strategic decision-making in commercial banking.
• Strengthened skills in stakeholder engagement and networking.
• Pathways to Law Programme – University of Nottingham & NTU | 2019–2020
• Attended workshops on corporate law, ethics, and compliance.
• Developed early understanding of how law interacts with business risk and regulation.