Riya Varshney

Postgraduate in Fintech and Analytics with strong skills in data analysis, data visualization, and strategic planning. Experienced in SQL, Power BI, Tableau, and Python. Proven ability to work with business stakeholders to address root problems, design dashboards, and improve analytic workflows

Digital Payments and Innovations: Universal Mobile Payment Solution, Singapore Management University, Singapore:

• Developed a cross-border payment framework integrating CBDCs and regulated stable coins using blockchain technology, establishing a blockchain-based regulation network for compliance management.
• Created an operational FX settlement network with smart contracts for real-time transaction processing, leveraging blockchain programmability and traceability to reduce liquidity costs and enhance compliance.
• Proposed a scalable, secure, and efficient universal payment model applicable for global financial institutions, focusing on evolving cross-border payment models with blockchain innovation.

Data Science in Financial Services: Early Warning Indicators To Detect Corporate Distress, Singapore Management University, Singapore:

• Utilized machine learning techniques (Logistic Regression, Random Forest, XG Boost) on a dataset of 6,819 listed companies from the Taiwan Stock Exchange to predict financial distress.
• Conducted data collection and analysis of the Taiwan Economic Journal (1999-2009), employing techniques like SMOTE for class imbalance and Mutual Information for feature selection.
• Established XG Boost as the most effective model for financial distress prediction, emphasizing performance metrics (Recall, F1 Score) and interpretability.

I like to spend my free time by playing badminton , dancing or swimming