About Me
Data-driven Business Analytics student
Experience: AI research, financial modeling, tech consulting
Current Projects: Algoverse (AI Research) + Congero Technology Group (Financial Analyst)
Achievements:
• 90% CNN diagnostic accuracy
• 25% process optimization
• 30% KPI visibility improvements
Mission: Leveraging analytics to solve complex business problems and drive strategic decision-making.
Current Goal: Securing Data/Financial Analytics internships while pursuing CFA Level 1 certification.
def programming():
class Visualization:
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Featured Projects
$ ./medicare_analysis.py
Comprehensive analysis of Medicare data to identify healthcare trends and cost optimization opportunities. Advanced data analysis + healthcare domain expertise.
Stack: Python | Pandas | SQL | Data Visualization
$ ./stock_prediction.py
Machine learning models for financial market analysis and stock price direction prediction. Open source collaboration welcome!
Stack: Python | ML | Financial APIs | TensorFlow
$ ./bank_loan_analysis.py
Comprehensive bank loan default prediction using machine learning. Risk assessment models with feature engineering and ensemble methods for financial decision-making.
Stack: Python | Scikit-learn | Pandas | Data Visualization | Risk Modeling
Market Insights
My Insights
NVIDIA's China Strategy: Geopolitical Risk vs Market Opportunity
Wall Street Journal AnalysisMarket Signal: NVIDIA receives Trump administration approval to resume H20 AI chip sales to China after CEO meets with President...
My Analysis: This is strategically questionable. H20 chips are performance-limited versions designed for export compliance, yet China has developed domestic alternatives through Huawei. The geopolitical risk-reward calculation appears unfavorable - NVIDIA must compete against state-backed Chinese AI makers while navigating regulatory uncertainty. Previous analysis showed $2.5B in blocked shipments and $8B projected losses. Market dominance in China is diminishing as local competitors gain ground. Better focus on diversified geographic revenue streams in neutral markets like Singapore.
Retail Tariff Impact: Swedish Brand Exits US Market
Wall Street Journal AnalysisMarket Signal: Polarn O. Pyret (Swedish children's outerwear) exits US market by year-end due to tariff costs adding hundreds of thousands in inventory expenses...
My Analysis: This exemplifies tariff elasticity destroying market viability for mid-tier international brands. Currency depreciation + tariff duties create compound cost pressure that pricing power cannot absorb. Retail sector analysis shows similar patterns across European apparel imports. Investment thesis: Short international retail ETFs with heavy US exposure, long domestic manufacturing plays. The broader trend suggests continued market share consolidation favoring domestic producers and large-scale importers with tariff absorption capacity.
Big Tech Cash Flow Paradox: AI Infrastructure vs Liquidity
Wall Street Journal AnalysisMarket Signal: Microsoft, Meta report 73% net income growth but 30% free cash flow decline due to massive AI infrastructure capex...
My Analysis: This represents a fundamental business model transformation from asset-light to asset-heavy operations. The cash flow divergence signals potential liquidity risks reminiscent of dot-com era overcapitalization. While these companies drive >50% of recent GDP growth, the revenue timeline from AI investments remains speculative. Historical analysis suggests infrastructure-heavy tech spending cycles require 3-5 years for ROI realization. Risk assessment: Monitor debt-to-cash ratios and infrastructure utilization rates. The macroeconomic implication supports higher interest rates to manage this capital intensity.
Meta vs Apple: The Next Computing Platform War
Wall Street Journal AnalysisMarket Signal: Zuckerberg positions AI-infused smart glasses as iPhone replacement, betting on "personal superintelligence" over smartphone dominance...
My Analysis: Meta faces significant platform displacement challenges. Apple controls the ecosystem, distribution, and user trust - advantages that create switching cost moats. For Meta to succeed, AI glasses need 10x compelling use cases over smartphones. Historical precedent shows platform wars favor incumbents with ecosystem lock-in (see: Windows vs competitors). Investment angle: Meta's AR/VR pivot is high-risk, high-reward. Apple's defensive position more stable but limits upside. Watch for "killer app" development and enterprise adoption rates as leading indicators of market traction.
JPMorgan-Apple Credit Card Deal: Strategic Banking Realignment
Wall Street Journal AnalysisMarket Signal: JPMorgan Chase negotiating to take over Apple Card program from Goldman Sachs, potentially the largest consumer credit partnership deal...
My Analysis: This represents optimal capital allocation across all three parties. Goldman exits consumer credit losses to focus on institutional banking (higher ROE). JPMorgan leverages existing consumer infrastructure to capture Apple's premium customer base. Apple gains operational reliability from the market leader in consumer credit. Strategic implications: Validates that investment banks should stick to core competencies rather than chase consumer trends. JPMorgan's scale advantages in risk management and operational efficiency justify taking this business at appropriate pricing. Expect deeper Apple-JPM financial integration.
McKinsey Leadership Reform: Corporate Governance Evolution
Wall Street Journal AnalysisMarket Signal: McKinsey changes from 3-year terms with re-election to single 6-year terms, reduces board from 30 to 12 partners...
My Analysis: This governance restructuring addresses the instability that damaged McKinsey during the opioid crisis and succession battles. The reform reduces internal politicking and extends strategic planning horizons. Historical context: Sneader's ouster after implementing client selection reforms shows how partnership dynamics can conflict with risk management. The new structure provides leadership insulation from short-term partner pressures while maintaining accountability through mid-term confirmation votes. Broader consulting industry implications: Expect similar governance modernization at other partnership-based firms facing reputational risks.
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Community Contributions
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Community Contribution: AI Regulation Impact
Financial TimesArticle Summary: New EU AI regulations could impact US tech giants' European operations...
My Analysis: Regulatory arbitrage opportunities emerging. Companies with robust compliance frameworks (MSFT, GOOGL) likely to benefit vs. smaller AI startups facing barriers to entry. Estimated 15-20% compliance costs could consolidate market further. Watch for geographic revenue mix shifts in Q2 earnings...
Resume & Experience
Download my complete resume to explore my experience, education, and achievements in data analytics and business intelligence.
Current Experience Stack:
- AI Researcher - Algoverse
- Financial Analyst Intern - Congero Technology Group
- Tech Production Intern - Kigumi Group