The lending industry is evolving rapidly as customers demand hyper-personalized and instant service, and finance is being embedded in every transaction allowing super apps to gain market share.

Aditya Swaminathan

EY Americas Consumer Lending and Mortgage Leader

Trusted senior advisor to multiple global banking and lending C-suite executives. Heavily invested in people development. Board member for organization supporting families who have lost a child.

Aditya is a mortgage and consumer lending leader within Ernst & Young LLP’s Consulting practice with extensive experience providing professional services to financial services clients across North America, Europe and Asia.

Aditya is a trusted senior advisor to multiple C-suite consumer banking, lending, and mortgage executives at large global banks and mid-size regional institutions. He focuses on defining and enabling lending ecosystems by establishing customer-centric operating models, rethinking retail lending strategies across all consumer asset classes, modernizing platform and technology capabilities, and ultimately building/improving brand loyalty and trust.

Aditya has led several complex consumer lending and servicing transformations leveraging multidisciplinary teams and applying digital, automation, advanced analytics and customer strategy capabilities resulting in $3b in revenue growth potential through the lifetime of customer value creation and $600m in cost-saving targets.

How Aditya is building a better working world

Aditya counsels lending and servicing executives to rethink their operating models to drive growth, enable cost efficiencies, enhance experiences and services for their customers, and expand the lending ecosystem beyond siloed product transactions. He hosts quarterly roundtable forums with mortgage CEOs and COOs across large banks and regionals to share insights, discuss industry trends and prepare for tomorrow’s challenges.

Aditya has championed the EY COVID-19 response to assist lenders and servicers, including teaming with experts across multiple domains to enable a top five US bank issue more than $7b in PPP loans to 100,000 small businesses as part of the SBA’s stimulus program. He is a mentor and counselor for dozens of practitioners and is currently co-leading the Consumer Lending practice. He is passionate about learning and has led 1,500+ practitioners through a variety of learning programs spanning core banking areas and soft skills such as leadership and communication.

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