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Ruchin Goyal is a member of The Boston Consulting Group’s Financial Institutions, Insurance, People & Organization, and Operations practices.

Since joining BCG in 2004, Ruchin has worked extensively with clients in financial services, including banks, financial services companies outside of banking, asset management companies, and insurance companies. His experience has covered topics such as large-scale transformations, growth strategy, operational improvement, and organizational effectiveness.

Ruchin has worked in BCG's New Delhi, San Francisco and Mumbai offices.

Prior to joining BCG, Ruchin worked for three years at A.T. Kearney and for two years with Intergraph India Limited.

AREAS OF EXPERTISE

EDUCATION

  • MBA, Indian Institute of Management, Calcutta
  • Bachelor’s degree, mechanical engineering, Indian Institute of Technology, Madras

Publications and Videos

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Banking for a Viksit Bharat

Under Viksit Bharat, India strides towards 10x GDP by 2047. India needs a stable, profitable and resilient banking sector which will require structural shifts.
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Winning in Uncertain Times

Indian banks have outperformed their global counterparts. However, sustaining this momentum, especially amid unprecedented circumstances, calls for reinventing core business models, bolstering tech capabilities and building risk resilience.
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Digital Payments in India: A US$10 Trillion Opportunity

BCG, in association with PhonePe, has released a report providing a detailed outlook on the factors accelerating the growth of digital payments in India. The report highlights critical imperatives and drivers leading to a US$10 trillion digital payments economy in the next 5 years.
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India FinTech: A USD 100 Billion Opportunity

The report published in collaboration with the Federation of Indian Chambers of Commerce and Industry (FICCI) outlines the potential of India’s FinTech industry to reach an estimated valuation of USD 150-160 Bn over the next 5 years – creating an incremental value of USD 100 Bn.
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Global Corporate Banking 2018: Unlocking Success Through Digital

Digital disruption has come to corporate banking with a vengeance. Banks need to develop a vision of how the industry will evolve, formulate a comprehensive strategy, and plot their digital initiatives.
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Getting Big in Small Business Banking

Banks often regard small businesses as high risk and costly to serve. But incumbents that are looking to boost performance and remain competitive should think again.
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Global Corporate Banking 2016: The Next-Generation Corporate Bank

Though top banks are achieving profitable growth, they are also facing profound digital disruption—and most are not ready for it. Institutions must digitize swiftly and aggressively.
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Fintechs May Be Corporate Banks’ Best “Frenemies”

Corporate banks that engage with fintechs as allies, rather than as a direct threat, can fast-track their innovation processes and create a superior client experience.