Financial Services Consulting - Universal Consulting

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Mumbai I New Delhi I Chennai I Bangalore

Financial Consulting

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AGENDA

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Introduction

Financial Services Experience

Financial Services Leadership Team

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UC has deep execution expertise in strategy and operations consulting

Since 20 + Years

● Founded 1994

● 4 Offices (Mumbai, New Delhi, Chennai, Bangalore)

● 65+ People

● 325+ Clients

● 860+ Cases

● 76% Repeat & Referral work

Four Offices

Key Verticals

● Agribusiness & Food ● Automotive ● Biomedical, Biopharma

& Healthcare ● Building Materials &

Products ● Consumer Products &

Retail ● Financial Services ● Industrial Products &

Capital Goods ● Logistics ● Private Equity &

Principal Investors ● Service Firms

Horizontals

● Strategy Formulations

● Operations Improvement

● Organisation Design

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Management & Operations Team

Bhavini Sarkar Manager – Process

Administration

Samir Sathe

Senior Director & New Delhi Office Head

Jay P Desai

Founder & Managing Director

Sonali Aggarwal Head – Finance & Accounts

Kaustubh Nagarkar Associate Director

Vineet Agrawal Senior Manager

Kedar Borwankar Senior Manager

Sandeep Dash Senior Manager

Asgari (Aji) Pagarkar Head – Office Administration

& Alumni Relations

Dr Anjum Khandelwal Team Lead – Business

Development

Bhairavi Shah Patel Manager – Knowledge

Administration

S. Venkatesh

Director & Chennai Office Head

Shankar Rajesh

Senior Director & Mumbai Office Head

Parizad Sabawalla Head – Marketing

Administration

Archana Palav Manager – Marketing

Administration

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UC has long-term relationships and significant repeat work with Clients

7 Cases

4 Years

6 Cases

6 Years

9 Cases

7 Years

10 Cases

8 Years

12 Cases

5 Years

8 Cases

3 Years

6 Cases

6 Years

14 Cases

9 Years

15 Cases

7 Years

19 Cases

13 Years

25 Cases

4 Years

36 Cases

12 Years

Large MNC Pharmaceutical

Company

2 Cases

1Year

5 Cases

3 Years

2 Cases

3 Cases

1 Year

2 Cases

3 Cases

Carlyle

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UC has deep execution expertise across many horizontals

Strategy Operations Organisation

● Corporate Strategy

● Business Unit Strategy

● Diversification Strategy

● Industry Structure & Landscape

● Sales Force Management

● Pricing Strategy

● Sales and Channel Management

● Strategic Diligence

● Partner Screen & Selection Strategy

● Program Management

● Digital Strategy

● Supply Chain & Outbound Logistics

Strategy

● Strategic Cost Management

● Post Alliance/ Acquisition Integration

● Process Design


● Capability Development

● Performance Management


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Industrial Products, Capital Goods &

Infrastructure

Financial Services Consumer Packaged Goods & Retail

UC has broad execution expertise across many verticals

Automotive Agribusiness & Food Biomedical & Healthcare Building Materials & Products

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AGENDA

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Introduction



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Our experience in the financial services spans strategy development, operations improvement and organization effectiveness

Financial Services

Area of Study

Market Assessment and

Entry Strategy

Growth and Diversification

Strategy

Supply chain and

Distribution

Operations

Strategy

Aligning Organisation with

Strategy M&A Strategy

Asset Management and Custody

Banks

Commercial Banks

F & A Outsourcing Services

Insurance

Investment banking and Brokerage

Investor Community in financial

services (e.g. Private Equity and Multi

lateral agencies)

Non Banking Financial Institutions

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Our work across financial services products embodies critical components of analysis

Corporate Banking

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Product Coverage

Market

Intelligence

assessment

Entry Strategy Growth

Strategy

Product

Structuring

Channel

Strategy

Underwriti

ng & Risk

Assessme

nt

Deposits CASA P P P P

Fixed Deposit, Recurring Deposit P P P P

NRI Accounts P P P P

FCNR Deposits P P P P

Loans Real estate/ Mortgage financing and LAP P P P P

Education loans P P P

Auto loans P P P P P

Consumer durable loans P P P

Personal loans (Unsecured) P P P P

Credit cards P P P P

Wealth management P P P P P

Third party products Insurance (life, general) P P P P

Asset Management & Mutual funds P P P

Microfinance P P P P

Retail Banking

Our work across financial services products embodies critical components of analysis

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Product Coverage SMEs

(Sales USD 1-50 Million) Mid & Large Corporate Houses (Sales

> USD 50 Million)

Term Loans Rupee Long Term Loans P P

Rupee Medium Term Loans P P

Foreign Currency Loans (ECB, ECA) P P

Working Capital Working Capital Demand Loans P P

Bill Discounting, receivables finance P P

Overdrafts P P

Cash Credit P P

Supply Chain Finance (Supplier, Dealer) P P

Factoring P P

Trade Finance LCs (Issuance, discounting, confirmation) P P

Bank Guarantees P P

Supplier's Credit P P

Buyer's Credit P P

Export Finance P P

Treasury Products Currency Derivatives P P

Interest Rate Products P P

FX Spots P P

Commodity Hedging P P

Fixed Income e.g. Bonds, G-sec P P

Cash Management Services Payments P P

Collections P P

Investment Banking & Advisory

Loan Syndication P P

M&A Financing P P

Asset Backed Financing P P

Project Financing P P

Mezzanine financing P P

Structured Financing P P

Leasing Equipment Leasing, financing P P

Auto/ vehicle Leasing P P

Corporate Leasing P P

Corporate Banking

Our experience covers asset, liability and third party products across customer segments:

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Product Coverage Mass Individuals HNWIs

(annual income above USD 1 Million)

Deposits CASA P P

Fixed Deposit, Rucurring Deposit P P

NRI Accounts P P

FCNR Deposits P P

Loans Real estate/ Mortgage financing and LAP P P

Education loans P P

Auto loans P P

Consumer durable loans P P

Personal loans (Unsecured) P P

Credit cards P P

Wealth management P P

Third party products Insurance (life, general) P P

Asset Management & Mutual funds P P

Microfinance P P

Retail Banking

Our experience covers asset, liability and third party products across customer segments:

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SME Entry Strategy in India

Strategy to identify and dominate Top 5 SME

Sectors in India

SME Market Potential Assessment in India

Research for small and medium enterprises in

the UAE

Validating Expected Profit Pool for SMEs in India

Building SME and Retail customer intelligence

Strategy to identify and dominate Top 5 SME

Sectors

Building Intelligence on SMEs and Their Owners

or Decision Makers

SME Market Study Building SME and Retail customer intelligence

We have done 18 SME focused studies for commercial banks and Financial Institutions (1/2)

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SME study Refresh Entry into the SME market in India

Assessing the SME margins to assess loan

eligibility of potential customers in India

Assessing SME margins in India

Develop a Credit Risk Assessment Template for

a sector

Assessing the SME margins to assess loan

eligibility of potential customers in India

Defining SME entry strategy in India

SME Sector Margin Update

Development of Eligibility Criteria for

SME Lending

We have done 18 SME focused studies for commercial banks and Financial Institutions (2/2)

http://www.rbs.in/India/index.htm

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Compliance Risk

Management

India Overview

BPO Market Mapping Market Assessment of

Consumer Finance

Process Redesign for

Facilities Management

Division

Benchmarking

Distribution models

Demystifying Mortgage

Business Developing marketing

strategy for mass affluent

HNWIs

Redesigning

Performance Review

Reports & Monthly

Statements

Compensation Strategy

Some of our other experience includes work for mid market enterprises, retail customers and in the areas of operations, wealth management, benchmarking, distribution, mortgage, organisation, risk management, rural markets, insurance; etc. (1/4)…

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Due Diligence in

Infrastructure Industry

Assessing Market

Potential and Business

Model of Banks in key

areas

Overview of Banking

Landscape

Defining Standard

Operating Procedures

and MIS reporting

Defining the information

technology strategy Entry into the Indian

Insurance, AMC & PMS

space

Professionalising the

Customer Services

Process

Professionalising the

Customer Services

Process

Strategic Diligence of

Business Plan for Data

Analytics

Defining an Entry

Strategy into the F&A

Outsourcing space


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Strategic diligence Developing a Growth

strategy

Implementing

processes Defining Business

Strategy

Assessing corporate credit card market &

airline industry spends across India, China,

Hong Kong, Malaysia & Singapore

Rural Market Study

Involving Evaluation of

Equipment Financing

Models with Banks

Competition Review

for Technology

Identifying potential

investee companies in

the Indian security

broking market

Shaping policies in

healthcare insurance

and financing

Strategic Alignment

for Growth in

Financial Services


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We were in Partnership

for Citigold Customer

Business Advisory

Services

Defining financing

options for village level

entrepreneurs and rural

channel partners'

Carlyle

Bid Support to World’s Second Largest

Automotive Leasing

Companies to Partner

with the Largest Vehicle

Manufacturer in India

Accelerating Growth in

India Confidential Confidential

Market attractiveness

and competitive

landscape for the UAE

SMB accounting software

market

An overview of leading

global banks Alliances

in US, Germany, France

and Poland

Some of our other experience includes work for mid market enterprises, retail customers and in the areas of operations, wealth management, benchmarking, distribution, mortgage, organisation, risk management, rural markets, insurance; etc. (4/4)

Market Due Diligence

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~45 business intensive locations

• Delhi

• Ahmedabad

• Mumbai

• Jaipur

• Kolkata

• Pune

• Bangalore

• Coimbatore

• Hyderabad

• Nagpur

• Gurgaon

• Surat

• Chandigarh

• Indore

• Baroda

• Chennai

• Nashik

• Ludhiana

• Jalandhar

• Lucknow

• Trivandrum

• Mysore

• Jodhpur

• Kochi

• Vizag

• Sangrur

• Ganganagar

• Kota

• Belgaum

• Bellary

• Sitapur

• Lakhimpur Kheri

• East Godavari

• Guntur

• Rajkot

• Panipat

• Kanpur

• Kolhapur

• Madurai

• Agra

• Jamnagar

• Salem

• Vapi

• Aurangabad

• Moradabad

• Udaipur

• Bhopal

• Ahmednagar

• Jamshedpur

Hyderabad Vizag

Chandigarh

Delhi

Bangalore

Chennai

Trivandrum

Mumbai

Jaipur

Kolkata

Pune

Ahmedabad Baroda

Gurgaon

Mysore

Kochi

Indore

Nagpur

Ludhiana

Jodhpur

Coimbatore

Lucknow

Surat Nashik

Jalandhar

Rajkot

Panipat

Kanpur

Kolhapur

Madurai

Agra

Jamnagar

Salem

Vapi Aurangabad

Moradabad

Udaipur

Bhopal

Ahmednagar

Jamshedpur

Sungrar

Ganganagar

Kota

Belgaum

Bellary

Sitapur

Lakhaimpur Kheri

East Godavari

Guntur

Our financial services knowledgebase covers an access to ~6000 respondents in ~120 industry segments across ~45 key locations in India which also include ~1000 respondents in retail banking space, built over several engagements for our financial services clients

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AGENDA

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Introduction


-Case Examples


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Client Situation

Client has been present in India for a significant time, but lacked unified vision and had a deficit of

understanding of the Indian market. Therefore client engaged UC to help in aligning the strategic

focus in India, including revised strategic view of the market for their Corporate Banking business

and strategic view on potential entry into the retail banking space

Client Benefits

In term of factoring and leasing, client got clarity on market opportunity in term of market size,

growth, competitive intensity, business model, mode of entry and capability required. The client

could realign its focus in terms key industries, key customer segments and the products which

could be targeted to them for all their corporate banking products

Accelerating

Growth in India for

a French

multinational bank

already present in

India

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Client Situation

Client was pitching to Maruti to enter into a long term partnership with them for operating lease of Maruti cars

They engaged UC to help create an effective pitch document for bidding to Maruti for a long term partnership with Client for car leasing

Client Benefits

Through continuous discussion with the management and UC analysis, the pitch document was able to effectively communicate:

− Corporate Profile of Client India and Global − Market Landscape of Auto Operating lease in India − Client’s strengths and execution capabilities − Proposed Business Model − Key Target Customer Segments

Bid Support to

World’s Second Largest Automotive

Leasing Companies

to Partner with the

Largest Vehicle

Manufacturer in

India

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Case Examples

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Client Situation

Our client was a leading MNC bank in India, offering a wide range of SME banking products and

services in the market. The Client wanted to identify non-traditional (unlike textiles, pharma, etc) top

SME sectors, identify needs, products and services used by SMEs in these sectors, study

competitors offerings to those sectors and determine a strategy to dominate those sectors.

Client Benefits

Client was able to identify a new set of 5 SME sectors which had nascent potential but were under-

penetrated by the bank and defined strategy to penetrate these sectors

Developing growth

strategy for a

leading global bank

to identify and

dominate top 5

non-traditional SME

sectors

3

Client Situation

The client was a US based financial major who wanted to evaluate an entry into India in the

insurance, AMC & PMS space and wanted to assess the varied distribution models that could be

adopted for a potential entry.

Client Benefits

A clearly articulated entry strategy with key targets, milestones and penetration timeframe was in

place and competitive landscape along with profile of key domestic and international players were

mapped.

Assisting a U.S

based financial

major wanted to

enter the Indian

insurance, asset

and portfolio

management space

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Case Examples

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Client Situation

The client was one of the leading wealth management, capital markets and advisory companies in

India; it served as a strategic advisor to corporations, governments, institutions and individuals. The

top management wanted UC to assist them improve their customer experience by redesigning all

their customer reporting, thus making it more informative and user friendly

Client Benefits

Recommendations on alterations in the content and presentation of monthly statements along with

modification to existing special reports as well as identification of additional reports that could be

generated for clients. Also, identified performance data that was desired by different customer

segments.

Improving the

customer

experience by re-

designing its key

customer

interaction points

for a leading NBFC

company

5

Client Situation

The client wanted to invest in companies operating in securities market in India.

Top Management wanted to examine the possible ownership of the expanded equity capital of the

company with a significant investment.

Client Benefits

Detailed industry landscape of the Indian security broking market including selection of few

companies as investment targets.

Identifying potential

investee

companies in the

Indian security

broking market for

a global multi-

lateral agency

6

Case Examples

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Client Situation

The client was a professionally managed bank with a globally experienced management team. They

intended to expand their presence in the priority banking space catering to the Mass Affluent Class (MAC)

segment

Client Benefits

Customer analysis for each segment and city, wallet size for outlined products and services, market and

competitor analysis and a perspective on differentiation opportunities and/ or points of parity

Assessing the

needs of its prime

target customer

segmented as

“Mass Affluent Class” for a leading

bank

7

Client Situation

The client was an India's foremost player in the electronic bill presentment and payment industry. They

were largely executing electronic payments through the electronic clearing services (ECS) offered by the

RBI. The client was interested in entering the F&A outsourcing domain as a service provider due to

synergies with existing business lines. Top Management requested UC to assist them in defining entry

strategy in F&A outsourcing.

Client Benefits

Clearly articulated opportunities in the F&A outsourcing space along with a capability building agenda.

Defining entry

strategy for an

electronic bill

presentment and

payment company

in finance and

accounts

outsourcing space

8

Case Examples

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Client Situation

The client was a large multinational bank. They planned to offer banking products and services to Small and

Medium Enterprises (SMEs). Top management wanted to understand the market with respect to target

manufacturing and services sectors, no. of SMEs in target sectors, geographic clusters of SMEs, preferred

banking products & services, market size for preferred banking products & services targeted at SMEs, key

competitors, channels of distribution and strategic initiatives to counter competitors.

Client Benefits

Arrived at a future earning scenario based on the competitive landscape, operational and management

capabilities of the firm, customer and franchisee acquisition strategy, and the likely trend going ahead in the

various asset classes. Go/no go decision was based on the returns achievable based on scenarios in an

optimistic equity market and a flat equity market.

Entry strategy for

the business

financial services

division of a

multinational bank

in India

9

Client Situation

Our client was a multinational banking group’s India office and was in the process of evaluating opportunities

for entry in the Business Process Outsourcing (BPO) space in the country. The client sought to understand

the opportunities available for equity participation by the group as well as assess the scope of providing

banking services to companies in the industry. The Group was also looking to extend the outsourcing

capabilities of one of its subsidiaries to external clients as a new business opportunity. As part of this

exercise, the group was desirous of presenting a case for entry in this space to its Board of Directors

Client Benefits

A clearly articulated business case on the basis of which the bank expanded the scope of its BPO operations in

India.

Evaluating

opportunities for

entry in the BPO

space for a

multinational bank

10

Case Examples

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Client Situation

The client was a leading private sector bank with established corporate banking and retail banking divisions.

Also they had well established branch network across the country. The client intended to explore whether the

SMEs across the various industry verticals was an addressable opportunity for the bank. Given that it was a

late entrant in this space, Top Management thus requested UC to address a number of strategic questions

like feasibility of entry, products and services to be offered, regions to be targeted, industries to be focused,

market potential for various products/ services and credit model to be deployed. Client Benefits

Defined a business plan and developed comprehensive set of strategic initiatives supported by an

implementation plan

A leading private

sector bank was

considering an

entry into the SME

market

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Client Situation

The client was a large multinational bank in India and was looking to expand it’s branch network. However,

prior to establishing additional branches, Top Management at the bank was interested in benchmarking

distribution models of three leading banks in the country. The parameters required for benchmarking and

comparison included understanding of corporate organization structure, retail product distribution set up

and branch dynamics.

Client Benefits

A gap assessment based on the benchmarking exercise formed the basis of a capability building

agenda

Benchmarking

distribution models

for a large

multinational bank

in India

12

Case Examples

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Client Situation

The client was one of the leading foreign banks in India. The top management in India was in the

process of reviewing its businesses, products and customer segments to identify new drivers of growth.

As part of the initiatives, top management wished to examine the garment exports industry to determine

the credit profile that included definition of parameters for credit profile assessment, development of

benchmarks across select countries to ascertain the competitiveness of Indian companies across the

parameters. UC was engaged to develop a framework for assessing credit profiles of companies.

Client Benefits

A comprehensive and granular credit profile for lending to the garment exports industry

Defining a

framework to

assess credit

profiles of players

in the garment

exports industry for

a leading foreign

bank in India

13

Client Situation

The client was second largest mutual fund house in India. The company had 6000 channel partners in India

and was faced with the challenge of finding, winning and keeping them, on a continual basis. The company

felt the imperative to provide it customers with innovative products and superior customer service with short

turnaround times. The company intended to professionalise their operations with an emphasis on sales and

distribution process. Top Management at the asset management company discussed the need to

standardise and document sales and distribution process, define functionality requirements for sales and

distribution process and necessary documents to support current information systems Client Benefits

Redesigned customer facing processes with significantly reduced turnaround time

Designing sales

and distribution

processes for an

asset management

company

14

Case Examples

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Client Situation

The client was one of the largest business conglomerates in India. They wanted to enter the wholesale

credit business by offering financial products to mid-corporate customers, through creation of a non-

banking financial company (NBFC). Client required validation of the entire concept, strategy and the

value proposition of the wholesale-focused NBFC business plan.

Client Benefits

In-depth assessment and opportunity sizing for mid corporates in wholesale/lending with focus on capital market

products, term/corporate loan and supply chain financing was conducted. A comprehensive business plan was

developed which formed the basis of clients’s entry strategy in NBFC business. Ground up approach was used

to estimate business scalability which included location wise asset built up across the product portfolio. Detailed

financials including P&L, Cash flows and B/S with implication on leverage and ROE for the next 6 years were

projected. Identified alternative models in the area of infrastructure finance and retail finance.

Validating business

plan for NBFC -

Wholesale credit

and Capital market

products

15

Client Situation

The client was one of the largest private equity players wanted to evaluate the Indian brokerage market

and understand competitiveness of Indian brokerage players against foreign brokerages, especially in the

institutional segment. Client required validation on various elements of their business model including

brokerage & treasury, capital market financing and wealth management services.

Client Benefits

Prepared a comprehensive market model for brokerage services with assessment of revenue pool

across various segments. Defined competitiveness of brokerage players in capital market financing

products, LAP and wealth management services and developed realistic estimates of scalability of

these businesses.

Market assessment

of Indian brokerage

services

16

Case Examples

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Client Situation

The client was one of India’s largest international banks having a combined customer base of 2.1

million in retail banking and over 1,000 top corporate relationships . In light of the exponential

growth expected in rural financing and given the client’s strong commitment to Indian market, top

management was evaluating entry in semi urban and rural markets.

Client Benefits

Understanding of competitive environment with insights on business model elements – product

portfolio, customer segments, alliance partners, distribution channel, technology platform.

Estimated market opportunity and identified key rural markets based on credit potential. Identified

locations to conduct pilot, and prepared a detailed implementation plan.

Assessing market

potential and

business model of

banks in rural India

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Case Examples

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AGENDA

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Introduction



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Samir Sathe

Samir is a Senior Director & New Delhi Office Head at Universal Consulting India Pvt Ltd. He has been with the firm for 18 years and has significant experience in the manufacturing and service sector. He heads our New Delhi office and financial services practice. He has executed over 250 cases of which more than 150 have been in the areas of strategy and operations.

He has advised clients in the Financial Services, Life Sciences, Private Equity, Automotive, Retail Goods Industry, Industrial Equipments, Rural, Non – Profit organizations, Middle East, etc.

Some of his Financial Services sector assignments include: - Bid Support to World’s Second Largest Automotive Leasing Companies to Partner with the

Largest Vehicle Manufacturer in India - Accelerating Growth in India for a French multinational banking and financial services company - A study on the asset management for a business consulting firm - Entry Strategy for providing Banking Financial Services to SMEs - Preparing a presentation for the Compliance Division - A Business Strategy for Fee Based Business - Preparation of a Wealth Management Report on NRIs - Implementing processes for an Asset Management Company - Entry Strategy for providing Banking Financial Services to Small and Medium Enterprises - Market Assessment of Consumer Finance in India - Defining Credit Profile of Garment Exporters - Entry Strategy into Asset Management and Insurance Industry in India - Strategic Diligence of a Broking Company - Developing Insights into Key Focus SME Sectors for an MNC Bank - Validating business loan product configuration and MSMEs for an NBFC - SME Market Studies in the UAE - Developing Intelligence on Retail and SMEs in Bangladesh - Strategic review for an electronic bill payment and presentation player - A process review for a asset management company

Samir is graduate in Bachelors of Commerce from Mumbai University. He also attended the “Leading Professional Service Firms” program at the Harvard Business School in Boston.

Samir Sathe, Senior Director & New Delhi Office Head

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Shankar Rajesh

Shankar is a Senior Director & Mumbai Office Head has been with the firm for 19 years and has significant experience in the manufacturing and service sector

He has executed over 300 cases of which more than 100 have been in the areas of strategy and operations. He has advised clients in Pharmaceuticals, Biotech, Healthcare, Financial Services, Agrochemicals, Telecommunications and Paper manufacturing.

Some of his Financial Services sector assignments include:

– A Process Review - Facilities Management Division of a large MNC Bank in India

– An SME Entry Strategy for a large MNC Bank in India

– Skill Sets and Competencies identification for Key Business Processes at Sharepro Services

– Presentation for Investors of a large MNC Bank

– A Survey Usage of IT by Competitor Banks

– Updating the report on Technology Usage in Competing Banks

– A process review and technology blueprint for a portfolio management firm

– A process review for a asset management company

– Knowledge Management review for a leading investment bank in India

– Assessing risk management and compliance framework for a large MNC bank in India

– BPO assessment for a large MNC bank

– Process review and implementation for a captive entity for a leading brokerage house in the US

– Strategic review for an electronic bill payment and presentation player

After graduating as a Bachelor of Commerce from Mumbai University, he secured a Diploma in Computer Science. He also attended the “Leading Professional Service Firms” program at the Harvard Business School in Boston.

Shankar Rajesh, Senior Director & Mumbai Office Head

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Abhay Havaldar

Former Managing Director, General Atlantic

Masters in Management - London Business School

BE - University of Bombay, Mumbai

Roopa Purushothaman

Managing Director and Head of Research, Everstone Capital Advisors

Bachelor’s degree in Ethics, Politics and Economics - Yale University

Master’s degree in Development Studies - London School of Economics

Abhijit Joshi

Founder, Veritas Legal

Solicitor - Bombay Incorporated Law Society

Solicitor - England & Wales

Sunil Aggarwal

Partner, Surya Corporation

BS in Business Administration - California State University, Long Beach

Carlton Pereira

Co-Founder, Tano Capital

Former Managing Director & Partner, Corporate Finance, KPMG India

CA - Institute of Chartered Accountants of India

Sunil Gautam

Founder, HANMER MSL

CA - Institute of Chartered Accountants of India

Dominic Miles

Partner, L.E.K. Consulting

MA – Economics, Cambridge University

Master of Business Administration, INSEAD

Sunil Lulla

Chairman & Managing Director, GREY Group, India

Former Managing Director & CEO, Times Now, ET Now

MMS - SP Jain Institute of Management & Research, Mumbai

Jagdeep Parsram

Founder & Director, Pentagram Integrated Communications Pvt Ltd

Brand and Marketing Consultant

BS - Physics and Mathematics, University of Bombay

Sunil Patel

Chief Executive Officer, SPC

MBA – The Wharton School, University of Pennsylvania, USA

MS - Electronics, State University of New York, Stony Brook, USA

Advisory Board

[email protected] www.universalconsulting.com

Fax +91 22 66222111

Mumbai

Vaswani Chambers-C,1st Floor 264-265 Dr Annie Besant Road

Worli, Mumbai 400030 India

Tel +91 22 66222100

Chennai

112 DBS House 31-A Cathedral Garden Road

Nungambakkam Chennai 600034, India Tel +91 44 32571208

Bangalore

217 DBS House 26 Cunningham Road

Bangalore 560052 India Tel +91 80 4040 7217

New Delhi

516/523, Level5 JMD Regent Square,

M.G. Road Gurgaon 122002, India

Tel +91 124 44711677

Documents

Financial Services Consulting - Universal Consulting