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Management Consultant with 10+ years in Strategy Consulting & Digital Transformation in Financial Se
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Strategy & Management Consultant with 9+ years of experience in banking, financial services, and public sector consulting across Middle East, Africa, UK, US, and Asia. Expertise in strategy formulation, operating model design, cost optimization, digital transformation, Business and technology architecture modernization, and regulatory impact assessments. Proven track record delivering large-scale consulting engagements for global banks, central banks, sovereign wealth funds, and government institutions.
IMT Ghaziabad
Master of Business Administration (MBA Finance) · Finance
N/A – June 30, 2016
Guru Gobind Singh Indraprastha University
Bachelor of Technology (B.Tech, Information Technology) · Information Technology
N/A – June 30, 2009
HSBC
Vice President - Business Consulting
July 1, 2025 – Present
Gurgaon, Haryana, India
Accenture Strategy and Consulting
Management Consulting Manager
October 1, 2021 – July 1, 2025
Gurgaon, Haryana, India
PwC
Consulting Manager
June 1, 2017 – October 1, 2021
Gurgaon, Haryana, India
Accenture
Lead Business Analyst
June 1, 2016 – June 1, 2017
Gurgaon, Haryana, India
State Bank of India
Assistant Manager
February 1, 2011 – May 1, 2014
Gurgaon, Haryana, India
HCL Technologies
Software Engineer
January 1, 2010 – February 1, 2011
Gurgaon, Haryana, India
MENAT Network Markets Operating model design
July 1, 2025 – June 1, 2026
Defined the optimal operating model for the MENAT market branches - balancing front and back-office efficiency, CTB / RTB Cost Optimization, regulatory compliance and client delivery with a right-sized hub and spoke activity model Evaluated cost optimization opportunities across front. Middle and back-office functions leveraging "Hub and spoke" capabilities resulting in a cost reduction of 20% (AED 15M) across MENAT branches
Country Network Banking Archetype creation and Target Operating Model design
July 1, 2025 – June 1, 2026
Led the creation of the As-Is CIB (Commercial and International banking) market footprint and landscape ("Fact base") Defined a market archetype value framework to categorize 50+ markets capturing both qualitative and quantitative value aspects and levers for measures of success Identified AED 50M in efficiency gains through the deployment of "Market-in-a-Box" digital operating models
Corporate Banking modernization roadmap
October 1, 2021 – July 1, 2025
Led the corporate banking modernization and initiatives revamp roadmap for the bank. Identified key gaps across customer experience, distribution strategy and product capabilities and prioritized modernization initiatives. The strategy engagement resulted in securing a multi-year system implementation contract worth 6M AED.
Wholesale business fee income growth strategy
October 1, 2021 – July 1, 2025
Developed a strategic roadmap to assess the decline in a bank's income by analyzing market trends, competitive threats, and regulatory shifts. Recommended a phased approach, including quick wins, near-term initiatives, and long-term strategies such as competitive pricing, ESG-aligned offerings, and partnerships to drive growth. Designed a roadmap to pivot from interest-margin reliance to fee-based growth. Projected a 12% increase in non-interest income by 2027 through the launch of ESG-aligned trade finance and BaaS platforms.
Program Health check and Program Strategy
October 1, 2021 – July 1, 2025
Directed the migration strategy for the Payments modernization initiative for the world's largest cross-border payment provider, covering 30% of global volume. Integrated an "Agentic AI" RAG-based client support agent that reduced manual support tickets by 45% during go-live.
Regulatory (VAT) and Digital Impact Assessment – Multinational Investment Bank
June 1, 2017 – October 1, 2021
Conducted regulatory and digital impact assessment across bank's business due to the newly introduced VAT regulation. Conceptualized business requirements and created build vs buy assessment framework. Delivered AED 25M efficiency gains via VAT compliance redesign across UAE and KSA business units.
Regulatory (VAT) and Digital Impact Assessment - Mubadala
June 1, 2017 – October 1, 2021
Led a portfolio-wide regulatory impact assessment for 40+ legal entities. Mitigated >AED 50M in potential fines by designing a centralized governance framework and ZATCA-compliant e-invoicing workflow.
Business and Process Redesign & Business Case Development - Government Housing Society
June 1, 2017 – October 1, 2021
Optimized the housing society's retail lending processes and developed a business case and prioritization framework to select implementation vendors for automating the mortgage process, leading to nearly 20M AED reduction in Total cost of ownership through automated workflows and operational efficiencies. This led to an increase in Customer satisfaction and engagement by 10% 6 months post implementation.
Digital financial services Market Maturity Assessment & Interoperability Roadmap - Central Bank of West African States
June 1, 2017 – October 1, 2021
Successfully led creation of a data driven digital financial services market maturity assessment report and interoperability roadmap, impacting 147.5M people across 8 WAEMU countries through financial services interoperability.
Digital Payments Diagnostic & National Roadmap - UNCDF and Government of Bangladesh
June 1, 2017 – October 1, 2021
Led development of the digital payments diagnostic and roadmap across key economic sector, with exhaustive data-analytics driven findings and roadmap launched by the federal government and published on UNCDF website, guiding national digital payments adoption. Digital financial services Interventions and solutions proposed in the roadmap laid the potential to transform key sectors impacting 37% of the country's GDP and impacting 150 million people
Foundation Certificate in Business Analysis
Unknown
June 1, 2026 – Present
TOGAF 9 Certification
Unknown
June 1, 2026 – Present
FinTech and the Transformation in Financial Services
Unknown
June 1, 2026 – Present
Digital Transformation of Financial Services
Unknown
June 1, 2026 – Present
Digital Competition in Financial Services
Unknown
June 1, 2026 – Present
Cultural Fit Analysis
The candidate's extensive experience across various international markets (Middle East, Africa, UK, US, Asia) and diverse project types (digital transformation, regulatory compliance, operating model design) indicates a strong adaptability and cultural awareness. Their background in both private and public sectors, including work with central banks and government institutions, suggests a broad perspective and ability to navigate different organizational cultures. The focus on impactful projects, such as financial inclusion and efficiency gains, aligns with a results-oriented and socially conscious culture.
Soft Skills & Operational Fit
The candidate demonstrates strong leadership and governance skills, including change management, program/project management, and KPI design. Their experience in leading diverse teams and managing complex engagements across multiple countries suggests a high degree of operational fit for a senior consulting role. The ability to drive business development and manage client relationships is also a significant asset.