Bal is a Managing Consultant with X-CO. He liaises with clients in his key areas of expertise whilst sharing responsibility for appointing and training X-CO’s consultants. He has 26 years’ experience of working in leading financial institutions.
Bal has a long history of building teams for the banking industry, with many of his early recruits now in senior management. Bal has used his comprehensive knowledge of investment banking to assist executives across a variety of programmes in Group Finance and Risk Control. He has deep technical knowledge in derivatives, market risk and product control, which he has used to design and deliver systematic solutions for P&L Explain and Legal Entity Cost Review programmes.
Bal has a distinguished resume of creating effective management information decks, technical documentation, systems and workflows. Bal leverages a core skillset gained from his early career as a mathematics teacher to effectively train and mentor other consultants and clients’ staff. He is often engaged to translate complex financial concepts into accessible insights and targeted solutions for management.
Bal was part of the X-CO team responsible for establishing the CCAR Risk Documentation process for UBS. He coordinated the 2019 filing to the FED and helped to transition the process to BAU by conducting training sessions for the client’s permanent workforce.
Bal is author of the 2016 Publication ‘Options Explained Simply: The Fundamental Principles Course’, a commercially available book on Futures and Options that also forms part of X-CO’s in-house training programme.
Previously, Bal worked at UBS, CSFB, Jefferies International and Santander.