FRESH LENS
We help banks, NBFCs, fintech companies and other financial services businesses make sound decisions, execute change and find the right leaders.
We bring decades of experience in strategy, operations, leading change and managing people to every engagement.
Fresh Lens was founded by two senior banking professionals who have led businesses, built teams and made decisions with responsibility for the outcomes. That firsthand understanding shapes our advice and how we work alongside you.
WHO WE ARE
We founded Fresh Lens after stepping away from our corporate roles to build a firm around the work we know best: solving business problems, building capable teams and helping businesses move forward.
Over decades in financial services, we have led teams, managed P&Ls and made decisions with responsibility for the outcomes. We have experienced the pressures of growth, the discipline of managing risk and the complexity of making change happen.
That experience shapes how we work. We listen carefully, challenge assumptions and bring practical judgment to the decisions in front of you.
Our three practices—Advisory, Transformation and Talent Search—reflect a simple belief: business progress depends on sound decisions, effective execution and the right people.
A fresh perspective. A committed partnership with you.
Vikas Singhvi brings nearly three decades of experience in financial services across ICICI Bank and ICICI Prudential AMC Ltd. His experience spans Retail Liabilities, Customer Experience, Credit Policy, Fraud Risk, Governance, Collections, Technology and Digital.
He served as Executive Vice President and COO at ICICI Prudential AMC Ltd.
BACKGROUND
ICICI Bank · ICICI Prudential AMC Ltd
Vikas Goel brings nearly three decades of experience in financial services across CitiGroup, ICICI Bank, Standard Chartered Bank and IDFC FIRST. His experience spans retail and rural banking, lending, distribution and large-scale business operations, alongside Fraud Risk, Operational Risk, Audit, Retail Assets Business, Product Management, P&L Management, Collections and Portfolio Management.
He served as Business Head – Rural Assets at IDFC FIRST Bank.
BACKGROUND
CitiGroup · ICICI Bank · Standard Chartered Bank · IDFC FIRST
WHAT WE DO
We work with banks, NBFCs, fintech companies and other financial services businesses at different stages of growth.
Our involvement is shaped by your priorities—whether you need perspective on a decision, support through execution or help finding the right person for a critical role.
You don’t need a defined consulting brief. Bring us the business challenge.
We work with your leadership and relevant teams to clarify the problem, examine the underlying causes and identify a practical way forward. Where needed, we work alongside you to implement the changes.
Let’s talkClarity in complexity
Make better-informed decisions about what comes next.
Business decisions rarely sit in isolation. A growth initiative affects risk. A product decision changes operating requirements. An incentive can influence customer outcomes as much as employee performance.
We help you understand the underlying problem, assess the options and weigh the trade-offs. Our advice combines a fresh perspective with an understanding of how financial-services businesses operate.
Ambition into action
Turn priorities into changes that work.
A clear strategy is the beginning. Delivering it requires ownership, coordination and changes to how work gets done.
We work alongside your teams to translate priorities into practical action. We help redesign processes, improve operating models, enable digital adoption and align structures and incentives with the outcomes you want.
Our approach keeps execution in view: what needs to change, who will own it and how it will become part of everyday operations.
People who move you forward
Find the person who fits the work—and your business.
A job description is a starting point. It rarely captures the full demands of a role: the decisions to be made, the team to be led, the business context or the challenges ahead.
Having led financial-services businesses and teams, we understand these demands firsthand. We know the work behind the title and the questions that help reveal whether a candidate is equipped to deliver.
We combine industry understanding, longstanding professional relationships and informed assessment to help banks, NBFCs, fintech companies and other financial services businesses find the right talent.
WHY WE’RE DIFFERENT
Our advisory and transformation work draws on decisions we have made, changes we have led and the short- and long-term consequences we have lived through. We have had skin in the game.
In talent search, we understand the work behind the job description. We have led people in these roles and know the judgment, skills and relationships they demand.
We have managed P&Ls, led teams and been accountable for outcomes. We weigh recommendations against what execution demands: cost, capacity, risk and people. We also look beyond the immediate result, considering how decisions affect customer behaviour, employee actions and business performance over time.
You work directly with the founders. We understand your brief, carry out the work and remain involved throughout the agreed engagement. Our experience includes leading our own teams and working across functions with stakeholders whose support was essential to getting things done.
From 30-page loan applications to loans taken on a phone in two minutes, we have experienced the evolution of financial services firsthand. We have worked through economic crises, the pandemic and the emergence of AI—and lived with the outcomes of our decisions as conditions changed.
Business decisions, organisational change and leadership needs are connected. Our three practices let us consider them together. Having led people in financial services roles, we understand what a job description means in practice and assess candidates against the work they will need to deliver.
