Actively applying for September 2027 graduate intake · Open to practice, mid-tier, and industry roles
ZunairKhawaja
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.
Xero & MTD VAT Filing✦Agentic AI with Claude Code✦Bank Reconciliation✦ACA Track (Self-Study)✦St Mary's Investment Society Founder✦Excel Dynamic Arrays✦30+ Returns Automated✦Financial Modelling Sandbox✦HMRC Correspondence✦Client Advisory✦Xero & MTD VAT Filing✦Agentic AI with Claude Code✦Bank Reconciliation✦ACA Track (Self-Study)✦St Mary's Investment Society Founder✦
01Recruiter Fast Matcher
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
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.
0mHands-On Practice Experience
0+Client VAT Returns Automated
0 day/wkManual Work Saved via Claude Code
0Societies 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.
Identified and automated a manual VAT categorisation bottleneck — real production use across 30+ returns, ~1 day/week saved. Currently self-studying towards the ACA.
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 FounderConstitution AuthorGamma Pitch DecksCampus 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 / PunjabiClient ReconciliationHMRC Liaison
03Quantitative Practice Sandbox
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.
Dynamic variance calculation against Planning & Performance Materiality thresholds.
Audited Financial Year
Account Description
FY Audited (£)
Prior FY (£)
Variance (£)
Var %
Audit Status & Action
04Practical Focus Areas
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 CloudBank ReconciliationsLedger 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 DigitalHMRC CorrespondenceVAT 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.
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.jsAntigravity (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.
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.
ConstitutionGammaMember Recruitment
05Verifiable Execution
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 AI30+ Client ReturnsMTD Compliance
University LeadershipFounded 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.
Junior Accountant managing monthly VAT submissions under Making Tax Digital, multi-bank ledger reconciliations on Xero, and resolving client HMRC compliance queries.
Xero AccountingBank ReconciliationsHMRC Liaison
Financial ModellingPractice 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 MechanicsWACC SensitivityInteractive Model
06Commercial Awareness & Insights
Thought Leadership & Market Commentary
Demonstrating analytical depth on modern market developments, digital audit transformation, and economic resilience.
01
15 Jun 2026Practice 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 2026Professional 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 2026Leadership & 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.
07Graduate Recruitment Outreach
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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LocationLondon, United Kingdom (Open to Relocation)
Recruitment StatusActively applying for September 2027 graduate intake · Open to practice, mid-tier, and industry roles
Graduate Candidate Dossier
Zunair Khawaja — Fast-Track Summary
Designed for Graduate Recruitment Teams & Hiring Managers (September 2027 Intake)
Candidate Profile & Eligibility
Degree
BSc (Hons) Business Management & Finance (Year 3, St Mary's University)
Current Role
Junior Accountant (18 Months Practice Exp. at ATCL Accounting)
Target Intake
September 2027 Graduate Intake (Audit, Advisory, Tax, Industry)
Professional Exam Track
Committed to ACA (ICAEW) / ACCA qualification (Currently self-studying)
Campus Leadership
Founder & President, St Mary's Student Investment Society
Real Practice Experience: 18 months managing live client general ledgers, multi-bank reconciliations, and MTD VAT submissions on Xero.
Demonstrated AI Initiative: Identified VAT bottleneck and built a Claude Code agentic AI workflow now in active production across 30+ client returns, saving ~1 day of manual work a week.
Leadership Track Record: Founded and lead two university societies (Investment Society; Sports & Games Society) from concept to active execution — handling constitutions, marketing decks, and recruitment.
Technical Self-Starter: Built interactive DCF sensitivity models to master corporate valuation mechanics; self-studying for the ACA qualification.
Multilingual Communication: Fluent in 4 languages; confident explaining technical ledger discrepancies to non-financial clients.
Verified Technical & Systems Toolkit:
Xero Cloud AccountingMaking Tax Digital (MTD)Claude Code AI WorkflowsBank ReconciliationExcel (Formulas & Pivot Tables)Gamma Investor DecksHMRC Client CorrespondenceDCF Valuation Sandbox
Deals & Corporate Finance
Case Study Title
Project Subtitle
Commercial Awareness
Article Title
Publication Date
Product in Development · Tax Tech
Self Assessment Pro
MTD ITSA-Compliant UK Tax Filing Platform Built with AI Assistance
Product Vision & Market Need
Making Tax Digital for Income Tax Self Assessment (MTD ITSA) is set to reshape UK tax filing, mandating quarterly digital submissions for sole traders and landlords. Built with a co-founder using Antigravity (an AI coding agent), Self Assessment Pro is engineered to eliminate the stress of manual tax calculations, bookkeeping spreadsheets, and complex government forms for micro-businesses.
Current Build Status
Landing page and core UI components are built in Next.js. 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.jsModern React Architecture
AntigravityAI Coding Agent Workflow
MTD ITSAHMRC Digital Compliance
Pre-Launch Regulatory & Compliance Pathway
AML Supervision (MLR2017): Preparing registration for Anti-Money Laundering supervision under the Money Laundering, Terrorist Financing and Transfer of Funds Regulations 2017.
KYC & Identity Verification: Designing customer due diligence workflows to verify taxpayer identities and establish audit trails prior to submission.
HMRC Developer Sandbox Testing: Connecting with HMRC's Developer Hub sandbox environments to validate quarterly update payloads and end-of-period statements (EOPS).
Legal Terms & Conditions: Drafting strict terms of service, client confidentiality protocols, and statutory disclaimer structures.