Divij is a Finance PhD candidate at Gies College of Business, University of Illinois at Urbana Champaign. Divij's research interests lie in the areas of Banking, Financial Inclusion and Household Finance.Prior to joining Gies, Divij has worked in banking on liquidity and credit risk models. Before that, he worked as a financial risk consultant, providing expertise to clients, on market and counterparty credit risk models with top consultancies. He has a strong quantitative background with a master’s degree in Applied Quantitative Finance from Madras School of Economics and a bachelor's degree in Mathematics from Sri Venkateswara College (University of Delhi). Further, he is a certified FRM from GARP and has cleared seven actuarial science examinations from IAI and IFOA. He enjoys Squash, and Badminton.Currently he is at Champaign, Illinois.