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The Heritage School, Kolkata · Class of 2027

Hi, I'm Ayaan Syed Imam. I find who the market leaves out, then build the way in.

Two published papers in quantitative finance before Grade 12. A 1.29-million-loan study of disability bias in credit. A wristband that turns a whistle into a vibration. Three years of adaptive sport for 400 children. School Captain. This site is the evidence, linked.

Ayaan Syed Imam, formal portrait

A live Markov regime graph, the idea behind my first paper. M-ROLL

papers published, one under review
2
papers published, one under review
loan records analysed
1.29M
loan records analysed
children coached weekly
400+
children coached weekly
voters in the captaincy election
800
voters in the captaincy election
M-ROLLRare earth shocksCredit scoring and disabilityWhistle to wristSign to BengaliLoan-recovery voicebotFilibotSchool CaptainYouthopia PresidentPrayatna FoundationIEO AIR 20FISO AIR 1

In short

One thread, four strands, every claim linked.

Everything I have done in the last four years pulls in the same direction, so here it is on one screen: who I am in a paragraph, what stands out, what I am still working out, and the four strands the rest of this site follows. Every claim links to the paper, the code, the letter or the page where it lives.

ayaan syed imam · the record, in short

In one paragraph

I build the model that finds who the market left out, then I build the thing that lets them in.

I am Ayaan Syed Imam, a Grade 12 IB student and School Captain at The Heritage School, Kolkata. My research and my service are the same project. I published two papers before this application cycle: M-ROLL, a regime-switching portfolio model in IJFMR, and a rare-earth supply-shock classifier in an ABDC-indexed journal that called both 2025 Chinese restrictions about 28 days early from free data. The third paper came from a turf. Coaching 400 children with disabilities every week at Prayatna, I kept asking what happens to them at 25, and I answered with a 1.29-million-record study of disability-correlated exclusion in credit scoring. The same instinct built a Hinglish voicebot for a microfinance recovery team, a wristband that turns a referee's whistle into a vibration, and three letters of intent from employers. This year I won an eight-way captaincy election, ran Youthopia for 3,000 people and $70K, took first prize at Young India Innovates for the wristband, and donated two assistive tools to the Academy of Skill Development. The tension I am working through: whether the best use of a quantitative mind is to beat the market or to widen who gets into it.

Research ExperienceAnalytical ThinkingCommunity ImpactLeadershipTechnical SkillsEntrepreneurshipGlobal Perspective

What stands out

  • Published quantitative research, two papers in journals before Grade 12
  • A builder's record: four working systems in production or tested, with code public
  • Scale in service: 400 children a week, 800 at one event, 110 schools on Filibot
  • Elected leadership with numbers: 800 voters, $70K raised, 3,000 attendees

What I am still working out

  • Quant finance or development economics: the applications argue these are one field
  • Competitive sport ended by Kienböck's disease; the energy went into designing games others can play
  • Breadth across economics, CS and biology internships, held together by one question

Start with

My disability-credit paper. It is the hinge between my quant work and my service work, and it started with a question from the turf.

Scale

400 children a week for three years, 800 at Aashayein, 110 schools, 1.29 million records, 1,556 trading days. The numbers are in the first line of every page.

Selectivity

ABDC-indexed journal, AIR 1 nationally, IEO national AIR 20 with a team interview, gold at SEAMO and ASMO, first prize at Young India Innovates 2026.

Tension

Kienböck's disease ended my three national-level sports. The same year I began designing games for children with disabilities.

01 · Research Experience · Analytical Thinking

The quantitative economist

Models that admit the world changes regimes, built on real data and tested without leakage.

I have two published papers, one ABDC-indexed, both with public code or a recorded talk. My olympiad record (AIR 1 in digital technology, AIR 20 at the IEO national round, SEAMO and ASMO golds) says the maths came first; my internships at Wealthapp and Pharmint say I can turn behavioural economics into a plan a client actually follows.

02 · Community Impact · Global Perspective

Fairness in finance

Who gets a loan, a job, a fair price, and what a model does to the answer.

I ran a 1.29-million-record study of disability-correlated exclusion in credit scoring, interviewed rural microfinance borrowers in the field, built a voice agent that makes recovery calls humane and cheap, studied cooperative models for two lakh potato farmers, and secured three letters of intent from employers for adults with disabilities. The thread is access.
Me beside the board of participating schools at Aashayein 2026
Aashayein 2026, Prayatna Foundation's flagship event for 800 children. The question that became my credit-scoring paper started here.

04 · Leadership · Initiative

The leader who shows up

Elected, trusted with money and crowds, and on the field every week.

I am School Captain by an eight-way vote of 800. As President of Youthopia I led 40 people, raised $70,000 and opened for 3,000. I have spent three years on adaptive sport at Prayatna for 400 children and co-led Aashayein for 800. I co-founded a streetwear label whose profits bought sports gear for disabled athletes.
Me at the Youthopia 2026 sign at The Heritage School
Youthopia 2026. I was President: 40-member team, $70K in sponsorship, 3,000 attendees.
Me batting in the UPL cricket league
UPL, six seasons, captain.
Me in school uniform on the Heritage School lawn
School Captain, The Heritage School.

In order

How it happened.

The through-line is my wrist. Competitive sport ended in Grade 9; the coaching, the question, and then the papers followed.

  1. Grades 6 to 9

    National-level sport

    I competed in basketball, badminton and tennis at national level, and served as Assistant Prefect.

  2. Grade 9 to 10

    Kienböck's disease, and Mitra Robotics

    A wrist diagnosis ends my competitive play. I start machine learning at Mitra Robotics Academy and begin coaching at Prayatna.

  3. Grade 10

    ASMO gold, and a first paper

    I represent India at the Asia Science and Mathematics Olympiad, and write the disability-credit paper after asking what happens to the children I coach.

    Open
  4. Grade 11

    M-ROLL, Filibot, the voicebot, the wristband

    I publish M-ROLL, build Filibot with Cheenta for 110 schools, intern at Bargach, Ardent, Pharmint and Galamad, direct the tech fest and place AIR 20 at the IEO national round.

    Open
  5. Grade 12

    School Captain, Youthopia, rare earths

    I win the captaincy, lead Youthopia 2026, publish the rare-earth classifier in an ABDC-indexed journal, place AIR 1 at FISO, win first prize at Young India Innovates for the wristband, and co-lead Aashayein 2026 for 800 children.

    Open

In pictures

On the field, on the stage, on the podium.

Aashayein 2026 with Prayatna Foundation, the UPL cricket league, Youthopia and school. More on the service and leadership pages.

Handing out a medal on the podium at Aashayein 2026
UPL cricket league
At the Aashayein 2026 welcome board
Receiving an award on stage at school
UPL cricket league
Carrying gift boxes for the children at Aashayein
UPL cricket league
With the student team at school

The whole site

Six pages, one argument.

Each page takes one thread of the board and lays out the evidence in full.

  • Research

    Research

    Three papers: M-ROLL, rare-earth shocks, credit fairness.

  • Projects

    Projects

    Whistle band, sign to Bengali, voicebot, Filibot.

  • Economics

    Economics

    Seven internships, from a ₹1 crore plan to two lakh farmers.

  • Leadership

    Leadership

    School Captain, Youthopia President, Vysion.

  • Service

    Service and sport

    Prayatna, Aashayein, employment, and the wrist.

  • About

    About me

    Awards, olympiads, ten things in one line each, contact.