Jiayu Zhu

Financial Analyst Internship @UnionPay International

NJ, US

Analyzing an internal financial evaluation model for cross-border merchant expansion, focusing on fee-based revenue projectionsand scenario-based cash flow modeling (POS, ATM, and E-commerce)• Reviewing investment metrics including Net Present Value (NPV), Internal Rate of Return (IRR), and Payback Period underBase, Upside, and Downside assumptions• Simulating future cash flows using historical transaction data to evaluate the distribution of Net Present Value (NPV) and Value-at-Risk (VaR), enabling risk-adjusted investment analysis• Exploring ways to integrate simulation outputs into Excel dashboards to support stakeholder decision-making

Stony Brook University

Bachelor of Science - BS, Applied Mathematics & Economics

NYU Tandon School of Engineering

Master of Science - MS, Financial Engineering