Economics first, risk second, plain language always.

I studied economics at the University of Chittagong, then moved to the UK for an MSc in Finance and Risk Management at the University of Brighton's School of Business and Law, finishing with an Upper Merit. Along the way the interests sharpened: corporate finance, equity research, credit risk — and the question of how markets actually behave when you test them with data rather than describe them with adjectives.

My research followed that instinct. For my dissertation I spent 15,000 words examining whether Islamic funds genuinely exhibit lower risk than conventional UK funds — looking at systematic risk, idiosyncratic risk and drawdowns rather than taking the marketing at face value. In a related project I constructed an Islamic fund portfolio in Python and compared its pre- and post-COVID performance against conventional benchmarks, automating the analysis and the charts. I also worked through a credit-risk case study the way a bank would: liquidity, leverage, profitability, repayment capacity, recommendation.

Outside the numbers: I interned as a quantitative analysis intern with the Summit Equity Society (University of Essex), got a close look at financial fraud investigation during industry experience at a corporate legal firm in Eastbourne, and served as President of the Bangladeshi Society at Brighton. I also worked UK service jobs through my degree — the kind of work that teaches you calm under pressure better than any module does. Before all of this: Sylhet Cadet College, and a successful pass through the Bangladesh Navy officers' ISSB selection — discipline has a long backstory here.

This site exists because financial education in Bangladesh mostly arrives in English or in textbook Bangla, and neither is how people actually talk about money. The Learn hub is my attempt to fix that: every concept in everyday spoken Bangla, every term linked, no jargon left unexplained.