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Balakrishna Rao is a Functional Consultant with the Lending practice of the Banking and Financial Services (BFS) unit at Tata Consultancy Services (TCS). He has been with TCS for over six years and is a Certified Associate in Indian Institute of Banking (CAIIB) from the Indian Institute of Banking and Finance, New Delhi, India. Bala holds a Post Graduate Diploma in Management from the Alliance Business School, Bangalore, and a Bachelors degree in Electronics and Computer Science from the National College, Bangalore, India. In his current role, he anchors strategic consulting and business analysis assignments for TCS banking clients, in the areas of consumer and commercial lending in retail and commercial loans as well as business trade services.