Soumya Kundu

Senior Consultant, PwC | Ex-SBI PO | IIM Ahmedabad AlumBanking & IT Strategist | Credit Analytics Expert | Business Transformation Leader

Soumya Kundu is an accomplished professional with a unique journey spanning frontline banking, credit risk, and high-impact consulting. Starting as an SBI Probationary Officer (PO), he mastered SME finance, retail lending (mortgage, auto, personal loans), and agricultural credit, reviving portfolios and driving growth. Post his MBA from IIM Ahmedabad, he transitioned to PwC, where he now advises banks and NBFCs on digital innovation, process redesign, and strategic scalability.

Adept at bridging banking depth with tech-driven solutions, Soumya has delivered results across:

• Credit Analysis: Mitigating risk in complex SME and retail lending portfolios.

• Business Turnarounds: Reshaping underperforming units into profit engines.

• Digital Strategy: Launching customer-centric products and streamlining operations.

Key Focus Areas:

• Tech-Driven Lending: Building agile credit models for SMEs and retail borrowers.

• Operational Resilience: Redesigning processes to cut costs without compromising growth.

• Wealth Management Innovation: Crafting scalable solutions for India’s aspirational investors.

Beyond consulting, Soumya mentors young bankers and MBA aspirants, sharing hard-won lessons from his shift from SBO field roles to boardroom strategy. His mantra: “Transformation begins when we stop fearing complexity and start engineering simplicity.”