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Advisory Council
Mr. Prem Gursahani
The founder of Alpha Plus Consulting & Research Centre Pvt. Ltd. (APCORE), and Alpha Plus Technologies Pvt. Ltd. (APT), the unique combination of consulting & technology firms, is currently part of the Advisory Council at APCORE and Chairman Emeritus at APT.
As a banking consultant, he has been like ‘Who is Who’ of the banking industry, or the ‘Person to fall back on’ or ‘Mr. Dependable’. The library of multiple consultancy assignments handled by his firms for each client is huge, and the clients range from banks like HDFC Bank, Kotak Mahindra Bank, Axis Bank, Times Bank, Centurion Bank of Punjab, Corporation Bank, Oman International Bank, Standard Chartered Bank, DBS Bank, CTBC Bank, SVC Co-operative Bank, to banking regulator, Reserve Bank of India.
Mr. Prem Gursahani began his career in the Banking & Finance Sector with the nation’s largest bank, on 26th February 1968. While in service, he was responsible for automation, cost-effective measures, layout studies for improved customer service at branch offices, several innovations including designing of unique interest calculation charts in the days, when his bank didn’t have any calculators, leave apart computers.
Having worked across all verticals, Mr. Gursahani identified and analysed the problems that were prevalent in his bank in particular and the banking industry in general. With a vision to provide solutions to these problems and broaden the scope of his horizon, he gave up his rising future and prestigious positions in his bank to start his own consultancy firm on 1st January 1992, on the very next day of his voluntary retirement. Since then from the word ‘GO’ on that auspicious day, he has always been on the move, providing innovative and very unique solutions to the problems faced by the banking industry. Every other day, witnesses increase in the horizon of activities at APCORE and APT.
In 1999, Mr. Gursahani was entrusted upon by Dr. Y. V. Reddy, the then Dy. Governor – RBI, to compile the first set of Master Circulars for RBI, which today are the lifeline of every Banker. These master circulars have been his most appreciated unique contribution to the banking industry.
As if he is on a mission, with his customer-centric approach and a vision for the future, Mr. Gursahani successfully turned his proprietary consultancy firms into professional leading software product company and consulting company. He conceptualized unique software solutions in the Compliance and Risk Management areas that were to become the need of the banking sector after a decade with the onset of Basel II norms.
Assisted by an ardent Research, Product Innovation and Software Development teams led by a dedicated team of inhouse grown Senior Management teams in both the companies, today, this innovative banker-turned-first generation entrepreneur stands as the Founder & Chairman Emeritus of APT and Member of the Advisory Council at APCORE, overseeing continuing expansion year after year, even during the worst phases of global recession or economic downturns.
Mr. Gursahani holds a Bachelor of Commerce with Honours along with Diploma in Systems Management from JBIMS (Mumbai University), CAIIB and several other certificates in computers & other allied courses.
Mr. Prem Gursahani
Mr. Prem Gursahani
The founder of Alpha Plus Consulting & Research Centre Pvt. Ltd. (APCORE), and Alpha Plus Technologies Pvt. Ltd. (APT), the unique combination of consulting & technology firms, is currently part of the Advisory Council at APCORE and Chairman Emeritus at APT.
As a banking consultant, he has been like ‘Who is Who’ of the banking industry, or the ‘Person to fall back on’ or ‘Mr. Dependable’. The library of multiple consultancy assignments handled by his firms for each client is huge, and the clients range from banks like HDFC Bank, Kotak Mahindra Bank, Axis Bank, Times Bank, Centurion Bank of Punjab, Corporation Bank, Oman International Bank, Standard Chartered Bank, DBS Bank, CTBC Bank, SVC Co-operative Bank, to banking regulator, Reserve Bank of India.
Mr. Prem Gursahani began his career in the Banking & Finance Sector with the nation’s largest bank, on 26th February 1968. While in service, he was responsible for automation, cost-effective measures, layout studies for improved customer service at branch offices, several innovations including designing of unique interest calculation charts in the days, when his bank didn’t have any calculators, leave apart computers.
Having worked across all verticals, Mr. Gursahani identified and analysed the problems that were prevalent in his bank in particular and the banking industry in general. With a vision to provide solutions to these problems and broaden the scope of his horizon, he gave up his rising future and prestigious positions in his bank to start his own consultancy firm on 1st January 1992, on the very next day of his voluntary retirement. Since then from the word ‘GO’ on that auspicious day, he has always been on the move, providing innovative and very unique solutions to the problems faced by the banking industry. Every other day, witnesses increase in the horizon of activities at APCORE and APT.
In 1999, Mr. Gursahani was entrusted upon by Dr. Y. V. Reddy, the then Dy. Governor – RBI, to compile the first set of Master Circulars for RBI, which today are the lifeline of every Banker. These master circulars have been his most appreciated unique contribution to the banking industry.
As if he is on a mission, with his customer-centric approach and a vision for the future, Mr. Gursahani successfully turned his proprietary consultancy firms into professional leading software product company and consulting company. He conceptualized unique software solutions in the Compliance and Risk Management areas that were to become the need of the banking sector after a decade with the onset of Basel II norms.
Assisted by an ardent Research, Product Innovation and Software Development teams led by a dedicated team of inhouse grown Senior Management teams in both the companies, today, this innovative banker-turned-first generation entrepreneur stands as the Founder & Chairman Emeritus of APT and Member of the Advisory Council at APCORE, overseeing continuing expansion year after year, even during the worst phases of global recession or economic downturns.
Mr. Gursahani holds a Bachelor of Commerce with Honours along with Diploma in Systems Management from JBIMS (Mumbai University), CAIIB and several other certificates in computers & other allied courses.
Mr. Siddharth Sahgal
As a Director at Alpha Plus Consulting & Research Centre Pvt. Ltd. (APCORE), he is also part of the Advisory Council at APCORE.
Mr. Siddharth Sahgal began his career as a Probationary Officer in 1974 in the Banking & Finance Sector with the nation’s largest bank, and retired as Senior General Manager in 2010.
While in service, he specialised in Behavioural Science and was ‘People Person’. His experience in diverse fields ranges from branch banking to development banking, specializing in the process in conducting Entrepreneur Development Programs, rehabilitation of sick SMEs, NPA recovery, moving on to training, controlling region offices, handing Inspection & Audit and Management Audit, and moving on to becoming CEO at bank’s Frankfurt subsidiary.
For the past five years he is closely associated in planning most unique training and development programs at APCORE. Mr. Sahgal hold M. Sc. (MUM) degree and CAIIB along with Change Management Certificate course from IIM, Ahmedabad.
Mr. Siddharth Sahgal
Mr. Siddharth Sahgal
As a Director at Alpha Plus Consulting & Research Centre Pvt. Ltd. (APCORE), he is also part of the Advisory Council at APCORE.
Mr. Siddharth Sahgal began his career as a Probationary Officer in 1974 in the Banking & Finance Sector with the nation’s largest bank, and retired as Senior General Manager in 2010.
While in service, he specialised in Behavioural Science and was ‘People Person’. His experience in diverse fields ranges from branch banking to development banking, specializing in the process in conducting Entrepreneur Development Programs, rehabilitation of sick SMEs, NPA recovery, moving on to training, controlling region offices, handing Inspection & Audit and Management Audit, and moving on to becoming CEO at bank’s Frankfurt subsidiary.
For the past five years he is closely associated in planning most unique training and development programs at APCORE. Mr. Sahgal hold M. Sc. (MUM) degree and CAIIB along with Change Management Certificate course from IIM, Ahmedabad.
Mr. Vinay Gupta
Vinay, an alumnus of IIM Ahmedabad and BITS Pilani, is an all-round banker with 38 years of experience in commercial banking. He has worked in leading banks including a two year stint in Reserve Bank of India (RBI). Vinay retired from DBS Bank on 31 March 2020 after working in their India and Singapore offices for 16 years. He was a member of the Management Committee (equivalent to the Board of a Bank as foreign banks in India are governed by a Management Committee) from 2004 to 2020. His last role was Managing Director and Head of Legal, Compliance, Financial Crime & Security Services and Secretarial functions in DBS India.
Vinay has acquired rich experience in all aspects of commercial banking. Out of 38 years, he spent 13 years in business roles (corporate banking as well as retail banking), 10 years in operations, 13 years in control functions and two years in central banking. Most of his career was spent in two leading multinational banks, namely HSBC (14 years) and DBS (16 years). Geographically, he has worked in India, Singapore and the Middle East.
Vinay is particularly proud of his key achievements in following areas:
DBS Bank (2004-2020)
Vinay laid the foundation for the growth of DBS Bank in India. He joined DBS India in 2004 as Head-Technology & Operations at a time when DBS was operating from a single room with about 15 employees and even lesser number of customers. In a short period of less than three years, Vinay implemented 11 major IT projects, which included setting up of the core banking platform. He also set up retail banking, custody, cash management and investment banking operations and significantly expanded product offerings in treasury and international trade. This foundation helped DBS India to grow rapidly in India and as on date, DBS India operates in 24 cities and is the second largest foreign bank in India by number of branches and 4th largest foreign bank by business.
Vinay was a part of the core team, which piloted India’s first completely digital and paperless bank on a mobile phone. This was also a first for the entire DBS Group. Now this product is offered in several countries in which DBS operates. The product became an instant hit with customers and DBS India’s retail customer base went up from 25 thousand to 1 Million in less than two years.
Vinay was part of the core team which was responsible for converting DBS India’s branches into a locally incorporated subsidiary of DBS Bank, Singapore. DBS was the first major bank in India to convert to a subsidiary. Vinay also set up Secretarial function in the Bank, which is a regulatory requirement for a subsidiary.
Global Trust Bank, India (2001-2004)
Vinay set up retail assets and wealth management business for Global Trust Bank. During his tenure, retail banking client base went up from 100,000 to 500,000 despite bank facing serious financial and reputational challenges.
Majan International Bank, Muscat (1999-2001)
Vinay set up the operations platform for the bank. He opened new branches, set up ATMs and started retail assets and credit card business for the bank.
HSBC (1985-1999)
Corporate Banking: Vinay was global account relationship manager for top three business houses in India, namely Reliance, Tata and Birla Group. He also handled Godrej Group and GE India accounts.
Retail Banking: HSBC India commenced retail banking (retail assets and wealth management) business when Vinay was Head-Retail Banking, Western India. Retail Banking business was first piloted in Western India before it was rolled out to rest of country. HSBC India is now a major retail bank in India.
HSBC set up its first call centre and first centralized back office under Vinay’s leadership.
HSBC was the first bank in India to introduce offsite ATMs. Vinay’s team set up India’s first offsite ATMs in the city of Mumbai.
Mr. Vinay Gupta
Mr. Vinay Gupta
Vinay, an alumnus of IIM Ahmedabad and BITS Pilani, is an all-round banker with 38 years of experience in commercial banking. He has worked in leading banks including a two year stint in Reserve Bank of India (RBI). Vinay retired from DBS Bank on 31 March 2020 after working in their India and Singapore offices for 16 years. He was a member of the Management Committee (equivalent to the Board of a Bank as foreign banks in India are governed by a Management Committee) from 2004 to 2020. His last role was Managing Director and Head of Legal, Compliance, Financial Crime & Security Services and Secretarial functions in DBS India.
Vinay has acquired rich experience in all aspects of commercial banking. Out of 38 years, he spent 13 years in business roles (corporate banking as well as retail banking), 10 years in operations, 13 years in control functions and two years in central banking. Most of his career was spent in two leading multinational banks, namely HSBC (14 years) and DBS (16 years). Geographically, he has worked in India, Singapore and the Middle East.
Vinay is particularly proud of his key achievements in following areas:
DBS Bank (2004-2020)
Vinay laid the foundation for the growth of DBS Bank in India. He joined DBS India in 2004 as Head-Technology & Operations at a time when DBS was operating from a single room with about 15 employees and even lesser number of customers. In a short period of less than three years, Vinay implemented 11 major IT projects, which included setting up of the core banking platform. He also set up retail banking, custody, cash management and investment banking operations and significantly expanded product offerings in treasury and international trade. This foundation helped DBS India to grow rapidly in India and as on date, DBS India operates in 24 cities and is the second largest foreign bank in India by number of branches and 4th largest foreign bank by business.
Vinay was a part of the core team, which piloted India’s first completely digital and paperless bank on a mobile phone. This was also a first for the entire DBS Group. Now this product is offered in several countries in which DBS operates. The product became an instant hit with customers and DBS India’s retail customer base went up from 25 thousand to 1 Million in less than two years.
Vinay was part of the core team which was responsible for converting DBS India’s branches into a locally incorporated subsidiary of DBS Bank, Singapore. DBS was the first major bank in India to convert to a subsidiary. Vinay also set up Secretarial function in the Bank, which is a regulatory requirement for a subsidiary.
Global Trust Bank, India (2001-2004)
Vinay set up retail assets and wealth management business for Global Trust Bank. During his tenure, retail banking client base went up from 100,000 to 500,000 despite bank facing serious financial and reputational challenges.
Majan International Bank, Muscat (1999-2001)
Vinay set up the operations platform for the bank. He opened new branches, set up ATMs and started retail assets and credit card business for the bank.
HSBC (1985-1999)
Corporate Banking: Vinay was global account relationship manager for top three business houses in India, namely Reliance, Tata and Birla Group. He also handled Godrej Group and GE India accounts.
Retail Banking: HSBC India commenced retail banking (retail assets and wealth management) business when Vinay was Head-Retail Banking, Western India. Retail Banking business was first piloted in Western India before it was rolled out to rest of country. HSBC India is now a major retail bank in India.
HSBC set up its first call centre and first centralized back office under Vinay’s leadership.
HSBC was the first bank in India to introduce offsite ATMs. Vinay’s team set up India’s first offsite ATMs in the city of Mumbai.
