Ramani Balakrishnan is a Senior Business Consultant in the Mortgage Practice of TCS’ Banking, Financial Services, and Insurance (BFSI) business unit. With over 30 years of technology and functional experience in the residential mortgage industry, Ramani has led large-scale IT transformation programs for several TCS clients across the globe. He has designed, developed, and implemented loan origination and fulfillment systems. Ramani holds an MBA in Finance (summa cum laude) from Rutgers University, New Jersey, USA, and a master’s degree in Physics from Bharathidasan University, Tiruchirappalli, India. Ramani is certified in design thinking for growth and transformation consultancy.