EMY MARIAM BINTO

About

Economics and Data Science undergraduate with hands-on experience in quantitative analysis, data pipelines, and banking operations. Interested in applying data, Generative AI, and economic reasoning to solve business problems in research-driven financial services environments.

Experience

• Summer Intern
  ESAF Small Finance Bank

  Maintained and verified daily banking documentation for gold loan and microfinance operations, cross-checking records for accuracy and audit-readiness.

Education

• B.A
  St Xavier's College, Mumbai
  Economics (Major), Commerce (Minor) · 2025 – 2028
• B.S
  BITS Pilani Digital
  Data Science & AI · 2025 – 2028
• High School
  Devagiri CMI Public School, Kozhikode
  2025
• High School
  Silver Hills Public School, Kozhikode
  2023

Skills

• SQL <3 months
• Data Analysis <3 months
• Accounting <3 months
• Python <3 months
• Prompt Engineering <3 months
• NumPy <3 months
• Pandas <3 months
• scikit-learn <3 months
• Financial Analysis <3 months
• Qualitative Research <3 months
• Research <3 months
• Data validation <3 months
• Documentation <3 months
• Financial Record Keeping <3 months
• Quantitative Analysis <3 months
• Referencing <3 months

Tools / apps / platforms

• Claude <3 months
• Gemini <3 months
• Microsoft Excel <3 months

Languages

• English Fluent Speak
• Hindi Conversational Speak
• Malayalam Native / Bilingual Speak

Projects

• Microeconomic Analysis of Production Dynamics: Coconut Oil

  Conducted secondary research and applied microeconomic analysis of production efficiency, pricing, and competitive positioning within an industry vertical.

• Employee Attrition Analytics using Machine Learning

  Conducted exploratory and quantitative analysis on workforce data, building and comparing five predictive models to identify key attrition drivers.

• Hotel Booking Data Preprocessing Pipeline
  Python, Pandas

  Built an 8-step data validation and preprocessing pipeline on the Hotel Booking Demand dataset, including missing value treatment, duplicate removal, outlier detection, and feature encoding.

• Retail Analytics Pipeline
  Python, Pandas, Scikit-learn

  Built an end-to-end market analytics pipeline on transactional retail data for preprocessing, feature engineering, and predictive analytics.

• Digital Payments and Economic Growth in India: An Econometric Study
  RBI, TRAI, World Bank data; IMF, BIS, ADBI studies

  Conducted secondary research and multiple linear regression analysis on 11 years of data to test whether digital payments value and internet penetration predict India's GDP growth, with robustness checks for autocorrelation, heteroscedasticity, and multicollinearity.

Courses & certifications

• Certificate Course in Financial Analysis · SkillLevel EduTech | Economics Summer School, St. Xavier's College · 2026
• Bloomberg Finance Fundamentals (BFF) & Market Concepts (BMC) Certifications · Bloomberg · 2026

🏆 Achievements & awards

• District Champion in Table Tennis

  Winner of the Sahodaya and Indian Coast Guard Championships; Kerala State Championships representative.

⚽ Extracurricular activities

• Project Lead, Quartet — Commercium

  Led end-to-end event management across four departments and 30+ volunteers for the Commerce Society at St. Xavier's College.

• Administration Coordinator & Administrative Associate, Extra Circular Committee

  Led a volunteer team and streamlined venue bookings and documentation for campus events.

• Administrative & Scoring Associate, Sitare Fest and Malhar Fest

  Managed scoring and data tabulation, validating results with judges.

🤝 Volunteering

• ADAPT Spastic (Colaba) · Student Volunteer

  Led tailored activities for children with special needs, fostering an inclusive environment.

🎯 Hobbies & interests

• Table Tennis