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Actively applying for September 2027 graduate intake · Open to practice, mid-tier, and industry roles

Zunair Khawaja

Junior Accountant ✦ BSc Business Management & Finance ✦ ACA Track

I turn messy client ledgers into clean, audit-ready numbers — and I build the tools that do it faster. Currently automating VAT compliance workflows with agentic AI at a UK accounting practice while completing my degree.

18 Months Hands-on Practice Experience
30+ VAT Returns Automated
MTD-Compliant Workflows via Claude Code
ACA Track ICAEW Self-Study Preparation
🔬 Interactive Financial Lab
01

Tailor My Profile to Your Graduate Scheme

Select your graduate programme below to instantly highlight my relevant technical skills, coursework, and case studies.

Comprehensive Commercial Fit

Holistic Finance & Business Foundation

Equipped with a solid blend of university-level corporate finance theory and practical commercial ledger accounting. Proven agility across statutory accounts, multi-scenario modelling, and executive stakeholder reporting.

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Rigorous Academic Standing: BSc Business Management & Finance coursework covering Corporate Valuation, Macroeconomics, and Business Law.
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Client-Facing Accountability: Direct experience managing client queries, balance sheet reconciliations, and variance analysis.
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Digital Agility: Advanced Excel (Dynamic Arrays, Power Query), automated financial statements, and Power BI dashboards.
Scheme Alignment Score
98%
Strong competency alignment across graduate schemes
Test in Financial Lab
02

Analytical Precision,
Commercial Acumen

ZK
Zunair Khawaja London / UK
ACA Track Sept 2027 Intake
0 Months
Practice Exp.

I'm a third-year Business Management & Finance student self-studying toward the ACA, working part-time as a Junior Accountant at a UK practice. My day-to-day covers VAT returns under Making Tax Digital, bank reconciliations, and HMRC correspondence on Xero — the unglamorous, high-precision work that keeps a practice compliant.

What I actually bring beyond that: I noticed our VAT categorisation process was repetitive and error-prone, so I built an agentic AI workflow using Claude Code to automate it. It's now been used across 30+ client VAT returns and saves roughly a day of manual work a week. I also founded and now lead the St Mary's Student Investment Society, and separately started a Sports & Games society from scratch.

0m Hands-On Practice
Experience
0+ Client VAT Returns
Automated
0 day/wk Manual Work Saved
via Claude Code
0 Societies Founded
From Scratch
2024 — 2027 · St Mary's University, London

BSc (Hons) Business Management & Finance (Year 3)

Self-studying towards the ACA (ICAEW). Academic coursework includes Financial Accounting, Corporate Finance, Management Accounting, Business Law, and Quantitative Analysis.

Skills & Capabilities

Graduate Capability Matrix

Verifiable practice execution, AI tool-building, and demonstrated university leadership.

01

Technical & Digital

Xero, MTD VAT filing, bank reconciliation, HMRC correspondence, Excel (formulas, pivot tables), and hands-on experience building AI-assisted workflows with Claude Code to automate repetitive accounting tasks.

Xero Accounting MTD VAT Filing Claude Code AI Excel & Pivot Tables
02

Process Improvement

Identified and automated a manual VAT categorisation bottleneck — real production use across 30+ returns, ~1 day/week saved. Currently self-studying towards the ACA.

Workflow Automation Bottleneck Removal ~1 Day/Wk Saved ACA Track
03

Leadership & Initiative

Founded and lead two university societies (Investment Society; Sports & Games Society) from concept to running events — constitution, promotional material, and member recruitment handled personally.

Society Founder Constitution Author Gamma Pitch Decks Campus Outreach
04

Communication & Languages

Fluent in English, Urdu, Hindi, and Punjabi. Comfortable explaining technical reconciliation issues and HMRC queries to non-financial clients and business owners.

English (Fluent) Urdu / Hindi / Punjabi Client Reconciliation HMRC Liaison
03

Interactive Financial Lab

A DCF model and audit materiality simulator I built to practice corporate finance mechanics and ISA 320 logic — adjust the assumptions below to test the sensitivity.

Model Assumptions & Drivers

Adjust the valuation inputs or trigger preset corporate scenarios.

£10,000,000
£5M £15M £25M
12%
2% 15% 30%
22%
8% 24% 40%
9.5%
6% 11% 16%
10.0x
6x 12x 18x
Implied Enterprise Value (EV)
£24.8M
NPV of FCF (Yr 1-5) + PV Terminal Value
5-Year Cumulative FCF
£9.1M
Cash conversion modelled at 68% EBITDA
Year 5 Projected EBITDA
£3.88M
Yr 5 Target Revenue: £17.6M
Implied Revenue Multiple
2.48x
Enterprise Value / Base Year Revenue
5-Year Free Cash Flow & EBITDA Trajectory EBITDA (£) Free Cash Flow (£)

ISA (UK) 320 Materiality Setup

Set benchmark thresholds for substantive audit analytical review.

Live Assurance Engine
£75,000
£25k £125k £250k
70% (£52.5k)
50% (High Risk) 65% 80% (Low Risk)
5% (£3,750)
2% 5% 10%
Engagement Risk Level Moderate (Standard Substantive Scope)
Material Anomaly Breaches 2 Accounts Flagged

Substantive Analytical Review — Trial Balance Sample

Dynamic variance calculation against Planning & Performance Materiality thresholds.

Audited Financial Year
Account Description FY Audited (£) Prior FY (£) Variance (£) Var % Audit Status & Action
04

Core Competencies &
Practical Delivery

Combining unglamorous day-to-day practice precision with modern AI automation and quantitative financial analysis.

01
Practice Accounting

Bookkeeping & Ledger Reconciliations

Hands-on bank reconciliations, multi-bank feed matching, and general ledger maintenance on Xero. Ensuring clean, audit-ready numbers across high-volume client accounts.

Xero Cloud Bank Reconciliations Ledger Hygiene
02
Tax & Compliance

MTD VAT Filing & HMRC Liaison

Preparing and reviewing VAT returns under Making Tax Digital requirements, handling client correspondence, and resolving queries directly with HMRC.

Making Tax Digital HMRC Correspondence VAT Submissions
03
AI & Automation

Accounting Automation & AI Workflows

Building agentic AI tools with Claude Code to automate repetitive accounting tasks. Eliminated manual categorisation bottlenecks across 30+ live client VAT returns.

Claude Code AI ~1 Day/Wk Saved Process Innovation
04
Corporate Finance & Modelling

Quantitative Analysis & Valuation Mechanics

Self-directed financial modelling exploring DCF sensitivity, discount rates, and corporate valuation mechanics alongside ongoing ACA qualification preparation.

DCF Mechanics Sensitivity Analysis ACA Preparation

What I'm Building

A working product, a practice model, and a society built from scratch — what I'm building outside of coursework and client ledger work right now.

In Development

Self Assessment Pro

An MTD ITSA-compliant UK tax filing product for self-assessment, built with a co-founder using an AI coding agent.

Landing page and core UI components are built. Currently working through the pre-launch compliance path — AML supervision under MLR2017, KYC and sandbox testing, and finalising terms and conditions — before any live filing capability goes ahead.

Next.js Antigravity (AI coding agent) MTD ITSA
Practice Model

DCF & WACC Valuation

An interactive discounted cash flow model built to practice valuation mechanics from my coursework.

Mid-year discounting, a terminal EV/EBITDA multiple, and a simplified capex/working-capital drag, all adjustable live. Built to demonstrate the mechanics, not to value a real business.

React WACC DCF
Open model
Founded & Led

St Mary's Student Investment Society

Co-founded and now president of a new student society bringing investing and markets discussion to campus.

Took it from idea to a running society: wrote the constitution, built the founding presentation, and put together a promotional video script to recruit members. Handled the administrative and university approval side alongside the content.

Constitution Gamma Member Recruitment
05

Real-World
Case Studies

AI & Automation ~1 Day/Wk Saved
Production Workflow Transformation

VAT Categorisation Automation — ATCL Accounting

Manual VAT categorisation was slow and error-prone across client files. Built an agentic AI workflow with Claude Code to automate categorisation and flagging — now in active use across 30+ client returns.

Claude Code AI 30+ Client Returns MTD Compliance
University Leadership Founded From Scratch
Student Organisation & Governance

St Mary's Student Investment Society Launch

Founded and currently lead the university's first Student Investment Society. Authored the constitution, built pitch decks on Gamma, produced promo media, and recruited active student members.

Constitution Author Gamma Pitch Decks Campus Recruitment
Practice Experience 18 Months Practice
Client Compliance & Reconciliations

SME Practice Accounting & MTD Compliance

Junior Accountant managing monthly VAT submissions under Making Tax Digital, multi-bank ledger reconciliations on Xero, and resolving client HMRC compliance queries.

Xero Accounting Bank Reconciliations HMRC Liaison
Financial Modelling Practice Tool
Quantitative Self-Directed Study

Dynamic DCF Valuation & Sensitivity Sandbox

Engineered an interactive 5-year DCF model to practice valuation mechanics, WACC discounting, mid-year cash flow conventions, and exit multiple sensitivity (featured in the Financial Lab).

Valuation Mechanics WACC Sensitivity Interactive Model
06

Thought Leadership &
Market Commentary

Demonstrating analytical depth on modern market developments, digital audit transformation, and economic resilience.

01
15 Jun 2026 Practice Automation & AI

Automating Accounting: How I Cut VAT Processing Time with Agentic AI

How identifying a repetitive manual categorisation bottleneck at my practice led to building a Claude Code workflow that now saves ~1 day of manual work per week across 30+ client returns.

02
02 Jun 2026 Professional Development

Bridging the Gap: What Balancing Practice Accounting & Degree Studies Teaches You

Balancing university study with commercial accounting work taught me that theoretical formulas must be tempered by messy real-world ledger discrepancies, incomplete receipts, and strict MTD deadlines.

03
18 May 2026 Leadership & Initiative

Founding a University Society: Leadership, Governance, and Pitching From Zero

Starting St Mary's Student Investment Society and the Sports & Games Society from scratch — drafting constitutions, presenting on Gamma, and turning student interest into an active community.

07

Let's Connect &
Discuss Opportunities

Are you a Graduate Recruiter, Talent Partner, or Practice Manager? I would welcome an interview, assessment centre invitation, or preliminary conversation regarding September 2027 graduate roles.

Direct Email (Click to Copy) zunairnadeem82@gmail.com
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Location London, United Kingdom (Open to Relocation)
Recruitment Status Actively applying for September 2027 graduate intake · Open to practice, mid-tier, and industry roles

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