Divya Soni is currently a PhD candidate in Finance at the Indian Institute of Management Sirmaur, where she has showcased her academic prowess with a notable CGPA. Her research interests span across important facets of Finance, including corporate governance, ESG and Market Microstructure. She has contributed in various research including green housing initiatives, Neo-Banking, and the digitalization of banking sectors, with a particular focus on addressing issues related to Non-performing Assets in Indian Banking. Divya brings to the table a rich blend of academic and practical experiences, including her role as an Assistant Professor and an internship at Jindal Stainless Steels.She is also certified in Investment Analysis and Portfolio Management by the National Stock Exchange Academy and as a Research Analyst by the National Institute of Securities Market. Her skills include web designing, proficiency in MS Office,stata, Eveiws and SPSS. Actively engaged in extracurricular activities, she has demonstrated leadership in moderating discussions and hosting events, underscoring her multifaceted skills and dedication to fostering a holistic educational environment.