About us
Coefficient is founded by industry veterans with decades of experience with the most prestigious consulting and financial services organisations. Having operated at the highest levels of these industries, our founders identified a clear and persistent gap in the market. Globally, clients needed a smarter, more precise approach to workforce solutions, one that combines the power of technology, curation and human expertise. Coefficient fulfills this gap.
Our team
Vikram Malhotra
Managing Director – MENA
Vikram is a senior workforce solutions and financial services leader with over 25 years of experience with organisations like Citibank across MENA, Europe & Global Markets. He has since established a distinguished advisory practice across the MENA region and continues to pursue his passion for developing integrated workforce solutions that blend technology, curation, and human expertise.
Harmeet Gulati
Managing Director – APAC
Harmeet is a senior business transformation and management consulting leader with over 20 years of experience across banking, financial services, and digital transformation. He has held senior advisory roles at PwC, Deloitte, and KPMG, leading complex transformation engagements, large scale agile implementations, and business consulting mandates across India, Canada, the Middle East, and Southeast Asia.
Kressel Noronha
Head of Operations
Kressel is an operations and client solutions professional with a strong track record of driving talent solutions, business development, and strategic growth for global consulting firms, enterprise clients, and high-growth startups across APAC, Indian subcontinent , and the MENA region. With deep experience in building 0-to-1 ventures, managing high-value client portfolios, scaling new market operations, and partnering with C-suite executives, she blends strategic foresight with hands-on execution.
Our business advisors
Girish Advani
UAE, MEA
Girish brings over 20 years of senior leadership experience across retail banking, management consulting, and financial services, having held executive roles at Mashreq, Noorbank, and FAB. He has led Personal Banking at prominent banking institutions in the UAE, advised global payment firms at a senior level, and built deep expertise across P&L management, multi-channel distribution, and strategic operations.
Ashish Sood
Oman, MEA
Ashish brings over 30 years of experience across leading global and regional institutions including Citibank, Standard Chartered Bank, First Abu Dhabi Bank, Arab Financial Services, Ahli Bank Oman, and Tasheel Finance. He has held senior leadership roles across the Middle East, building deep expertise in retail banking, consumer growth, and large scale digital transformation.
Rajiv Nanda
Singapore, APAC
Rajiv brings over 25 years of experience in Consumer Finance and Credit Operations, spanning credit underwriting, collections, fraud management, policy and governance. He has held regional and global roles at some of the world’s most respected financial institutions including Standard Chartered Bank, ANZ Bank, GE Money, and Genpact, leading large scale operations teams across the United States, Europe, the Middle East, Africa, and Asia.