30 years. Eight institutions. Two advisory practices.
Senior Treasury & ALM advisory that has been inside the room during crises —
paired with LLM-powered automation tools, algorithmic trading systems, and
AI-driven finance workflows that actually get deployed.
Vinit Kumar has spent three decades at the senior-most levels of Treasury and Balance Sheet Management — at institutions that define India's financial landscape. Not as an observer. As the person responsible for liquidity during the 2008 global crisis. As the originator of instruments introduced for the first time in their institutions.
Today he runs two parallel advisory practices that no other single practitioner in India currently combines: deep institutional Treasury & ALM expertise, and a hands-on AI & Finance Automation capability — directing the design of tools that are built, deployed, and used.
He is also a GLG Council Member for Liquidity Risk Management, by invitation — a recognition of standing among the most cited practitioners globally.
External ALCO Advisor and ALM Consultant to banks, NBFCs, and co-operative institutions. ALCO governance structures, stress liquidity frameworks, FTP systems, and RBI-compliant balance sheet frameworks — built for the boardroom.
Director-level design of LLM-powered financial tools, ERP automation workflows, algorithmic trading systems, and live market data pipelines — using Claude API, Python, and Advanced Excel. Built and deployed, not prototyped.
Senior advisory that bridges deep institutional Treasury knowledge with cutting-edge AI and automation capability.
External ALCO Advisor and ALM Consultant — designing governance structures, liquidity stress frameworks, and RBI-compliant balance sheet frameworks that get used.
LLM-powered financial tools, ERP automation workflows, and live market data pipelines — built with Claude API, Python, and Advanced Excel. Deployed, not filed away.
End-to-end design of Treasury functions for new or growing institutions — policy, people, processes, and technology from day one.
Available for Board and Independent Director mandates at financial institutions requiring deep Treasury, liquidity risk, and balance sheet expertise.
Specialised advisory for co-operative banks and NBFCs navigating RBI requirements, liquidity challenges, and balance sheet transformation.
Structural redesign of balance sheet composition, funding mix, and risk profile to meet strategic, regulatory, and market objectives.
Built using Claude API, Python, and Advanced Excel. These are production systems — not demos.
Fully automated quantitative pipeline that processes every NSE Regulation 30 announcement daily — extracting catalysts, scoring them, and surfacing only the signals that move prices. 95% of filings are routine noise. CCE filters them out in seconds.
Algorithmic trading system for NSE/BSE equities built on the mathematical framework that connects the Manhattan Project, Google's PageRank, and LLMs. Discretizes 60 days of price history into 10 Markov states, runs 10,000 Monte Carlo simulations, and trades only when the model's edge over market-implied probability exceeds 4%.
Same Markov + Monte Carlo engine as the Indian system — extended for Indian LRS investors. An Indian investor's actual return is RINR ≈ RUSD + RFX. Both legs are modelled separately and blended into a single INR-adjusted edge.
INR_edge = Equity_edge × 0.65 + FX_edge × 0.35
262 people. Permanent staff, 132 guest lecturers on individual terms, ad hoc payments, EPF calculated differently across categories, ESI applied selectively. A payroll that consumed six full days every month — automated to 12 minutes with 100% accuracy.
LLM-powered ALCO pack generators, RBI compliance assistants, FTP engines, and bespoke finance automation workflows. Built to your institution's exact requirements.
Discuss Your Use CaseIf your institution needs serious Treasury depth — or wants to understand what AI can actually do in a finance function — let's talk.
If your institution needs serious Treasury depth — or wants to understand what AI can actually do in a finance function — reach out.
Senior-most roles across India's most respected financial institutions — spanning private sector banks, global banks, financial services groups, and NBFCs. This is the foundation that makes the advisory credible.