Balakrishnan is a Domain Consultant in the Transformation Solutions Group (TSG) at Tata Consultancy Services (TCS). He is tasked with the responsibility of transforming the way TCS delivers value to its global clients, as well as driving innovation and thought-leadership in the client engagement and delivery domains. Prior to TCS, Balakrishnan worked for various global IT organizations such as HCL Technologies Ltd, and served as the Head of Consumer Lending and Mortgages Vertical at Birlasoft. He also worked at PHH Mortgage, a US based company, for eight years in various capacities. In a career spanning 25 years across IT, banking and mortgage services, Balakrishnan has focused on residential mortgages lending for 18 years. He holds a Masters degree in Physics and an MBA in Finance from Rutgers University.