Bhavya Kumar leads Boston Consulting Group’s digital work within the Financial Institutions practice in the Middle East. Bhavya’s client work is focused on banking, fintech, capital markets, digital, technology, and sustainability. He has established deep expertise in the areas of strategy and transformation, disruptive innovation, digital-driven business models, digital attacker banks, fintech strategy, green finance, operating model design, agile, technology effectiveness, core systems, tech companies M&A, and portfolio prioritization through working with global and regional clients.

In Bhavya's current capacity, he focuses on projects in the banking and fintech spaces, providing expertise in transformation and strategy, disruptive innovation, digital-driven business models, agile ways of working, customer journeys, and core technology systems architecture and modernization. Bhavya works closely with regional and global clients in banking, fintech, and large family offices with interest in financial services.

Recently he has led digital innovation, core systems modernization, and fintech and neobank setup, design, and launch projects in the GCC for Islamic and conventional banks. Before joining BCG, Bhavya was a Manager at A.T. Kearney, and before that, a Manager of Strategy & Innovation at IBM.


  • MBA, University of Chicago Booth School of Business
  • BTech, highest distinction, National Institute of Technology, Karnataka