Bharat Poddar is a core member of The Boston Consulting Group’s Financial Institutions, Insurance, Operations, and People and Organization practices.

Since joining BCG in 2003, Bharat has worked extensively across the banking, consumer goods, insurance, and industrial goods sectors. His client experience has covered a wide range of topics, including digitization, digital innovations, operational excellence, market-entry strategy, turnaround, strategic planning, customer segmentation, and organizational effectiveness.

Over the course of his career, Bharat has also led project management offices, developed numerous go-to-market strategies, identified and implemented cost-savings measures, and created pricing and customer service models.

Prior to joining BCG, Bharat was an entrepreneur and also worked in the automotive industry in India.

AREAS OF EXPERTISE

  • Banking
  • Insurance
  • Digital innovations
  • Digitization
  • Change management
  • Operations
  • Lean
  • Marketing, sales, and pricing

EDUCATION

  • MBA, University of Michigan Business School
  • Foreign Trade Diploma, MVIRDC, Mumbai
  • BS, Industrial and Production engineering, SGSITS, Indore

HONORS AND AWARDS

  • Michigan core scholar – business economics

Publications and Videos

Global Retail Banking 2021: The Front-to-Back Digital Retail Bank

Global Retail Banking 2021: The Front-to-Back Digital Retail Bank

Leading banks are already organizing solution delivery around customer value streams and taking customer engagement to the next level.
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Alfa-Bank’s Michael Tuch on Transforming Customer Journeys

Starting and scaling these journey transformations, he says, requires the three key P’s: people, people, people.
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For Banks, a Long Way to Excellence in Digital Sales

Consumers increasingly want all their needs met with a tap on their smartphone. They may vote with their feet if banks don’t deliver.
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Customer Journey Programs Are Hard to Get Right

To reach scale, companies must transform their operating model.
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Transform Customer Journeys at Scale—and Transform Your Business

Reconfiguring the company around journeys does more than improve the customer experience. It advances digital transformation and strengthens the capacity for ongoing change.
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How Banks Can Thrive as Digital Payments Grow

Fintechs and other rivals are putting on the squeeze, but retail banks still have options to preserve their customer relationships in the new payments landscape.
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Retail Payments: Mapping Your Digital Destiny

Although the digital crescendo in payments is under way, few clear leaders have emerged—and incumbents still have a good chance to become principals in the orchestra.
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Wholesale Transaction Banking: Leveraging “Fin” and “Tech”

Banks that act decisively are in a prime position to be a core partner in corporate treasurers’ digital transformations.
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Global Payments 2016: Competing in Open Seas

BCG’s 14th annual study of the payments business explores shifting industry dynamics and the steps that diverse types of institutions must take to succeed.
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Digital and Beyond—New Horizons in Indian Banking

The banking industry continues to support India’s economic growth, but institutions must mitigate potential threats, identify new opportunities, and ensure that they are listening to what their customers are really telling them.
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Inclusive Growth with Disruptive Innovations: Gearing up for Digital Disruptions

This report was released by BCG in association with FICCI and IBA. The research highlights the massive disruptive potential of technology and analytics for the Indian banking sector.
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Digital Banking: Opportunity for Extraordinary Gains in Reach, Service, and Productivity in the Next 5 Years

This report is published by The Boston Consulting Group, Federation of Indian Chambers of Commerce and Industry (FICCI) and Indian Banks' Association (IBA). Digital banking is expected to fundamentally change the way banking is done.
Deep Expertise, Broad Experience