---
title: "Richard M Bijoy - Freelance in Kerala | Tal"
description: "Meet Richard M Bijoy, Finance & Operations | CMA USA Qualified | FP&A · Management Accounting · AI Workflow Automation based in Kerala."
image: "https://tal.club/meet/richard-1/share-image"
---

# Richard M Bijoy on Tal

## Headline

Finance & Operations \| CMA USA Qualified \| FP&A · Management Accounting · AI Workflow Automation

## About

My understanding of business comes from operating within it — across ventures I co\-founded, clients I served independently, and decisions I was fully accountable for\. I co\-founded a digital marketing agency, freelanced across 10\+ client accounts, and built an AI automation venture from scratch\. Across all of it, I handled real money — pricing, invoicing, P&L tracking, margin analysis\. I made decisions that had consequences, including the decision to shut down a venture when the numbers said it wasn't worth continuing\. That experience runs alongside three years of BBA, CMA USA prep, and hands\-on work with Excel, financial reporting, and GPT\-based automation tools\. What I bring ▸Accounting foundation — financial reporting, budgeting, cost structures, variance analysis ▸Real business experience — P&L ownership, margin tracking, and financial decisions from actual ventures ▸GTM strategy — hands\-on experience taking products to market, from positioning and user acquisition to early growth experiments across B2B and consumer ▸Tools — Excel, data analysis, AI\-assisted workflow automation

## Location

Kerala

## Work experience

Freelance at Self\-Employed, Aug 2024 \- Jul 2025 · 1 yr, Kerala, India, Worked across content, social, and web for 10\+ clients \- building hands\-on experience in what actually moves audiences and drives conversions\.

INTERNISHIP at Haris&Co\., Sep 2023 \- Dec 2023 · 4 mos, On\-site, Completed a hands\-on internship across business development, website optimisation, and paid performance marketing\. • Supported the sales team with lead research, prospect engagement, and proposal preparation — contributing directly to business development pipeline activity • Built and optimised Shopify and WordPress sites with focus on UX, SEO, and conversion performance • Set up and managed Meta ad campaigns — analysing CTR, CPC, and CPA to improve return on ad spend • Contributed to A/B testing frameworks that improved campaign performance metrics • Gained exposure to client budget management and campaign cost analysis First professional exposure to connecting marketing activity with measurable financial outcomes\.

## Education

CMA US, Institute of Management Accountants \(IMA\)

Digital marketing, Marketing, HarisandCo\. Academy \(HACA\)

[View the original profile](https://tal.club/meet/richard-1)

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