<p class="MsoNormal" style="text-align: justify;">Dear Members of the Selection Committee,</p>
<p class="MsoNormal" style="text-align: justify;">I am writing to express my strong interest in the position of Associate Professor at NICMAR University. With a Ph.D. in Finance and over a decade of combined teaching, research, and industry experience, I bring a strong foundation in financial economics, quantitative methods, and applied risk management that aligns well with NICMAR&rsquo;s interdiscipli