Ms. Rinki Joshi is an MBA graduate in Finance and Marketing from the Faculty of Management Studies, Bhimtal, Kumaun University, and is currently pursuing a Ph.D. in Finance from Doon University (expected completion 2026). She has three years of academic writing experience and two years of teaching experience. She has also completed a marketing internship with Inception Wave, where she handled marketing tasks, task management, and data handling in an online work environment. Rinki holds professional certifications in mutual fund distribution, financial management, accounting, and computer applications. She has participated in seminars and international conferences and demonstrates strong coordination, communication, and interpersonal skills.