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Sid Azad | McKinsey & Company
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data-component="mdc-c-heading" class="mdc-c-heading___0fM1W_2734c4f mdc-u-ts-2 FullBleedProfile_mck-c-full-bleed-profile__heading__vjnpv"><span>Sid Azad</span></h1><div data-component="mdc-c-description" class="mdc-c-description___SrnQP_2734c4f mdc-u-ts-8">Partner<a data-component="mdc-c-link" href="/uk/overview" class="mdc-c-link___lBbY1_2734c4f"><span class="mdc-c-link__label___Pfqtd_2734c4f">London</span></a></div><div data-component="mdc-c-link-container" class="mdc-c-link-container___xefGu_2734c4f mdc-c-link-container--display-column___X0HDD_2734c4f mdc-u-mb-2 mdc-u-mt-3 mdc-u-grid-gutter-md"><a data-component="mdc-c-link" href="#" class="mdc-c-link-icon___SEKyg_2734c4f" aria-haspopup="dialog" title="Email" aria-label="Email" data-sid="931B1236-6E30-4B34-8DC4-0996D733F90D" data-layer-event-prefix="Exit Link" data-layer-action="click" data-layer-category="social" data-layer-subcategory="partner" data-layer-subcategory2="email" data-layer-text="Share this profile on email"><span data-component="mdc-c-icon" class="mdc-c-icon___oi7ef_2734c4f mdc-c-icon--radial___y3csX_2734c4f mdc-c-icon--size-xl___3BEee_2734c4f mdc-c-icon--primary mck-email-icon"></span></a></div></div></div></div></div><script><!--googleon: all--></script><div data-component="mdc-c-description" class="mdc-c-description___SrnQP_2734c4f mdc-u-ts-6 mdc-u-grid-col-md-start-3 mdc-u-grid-col-md-end-11 FullBleedProfile_mck-c-full-bleed-profile__description__z6O7H"><p>Advises banks, asset managers, and life insurers across Europe on retail banking, private banking, and wealth management, particularly go-to-market strategies, operating-model design, end-to-end (E2E) transformation, and M&A</p></div></div></div><div class="mck-o-container"><div class="mck-o-container--wrapped mck-o-container--mobile-spacing"><div class="mdc-o-container__body Profile_mck-c-profile__wrapper__BqMov"><div class="Profile_mck-c-profile__container-main__rUO05"><h2 data-component="mdc-c-heading" class="mdc-c-heading___0fM1W_2734c4f mdc-c-heading--title___5qyOB_2734c4f mdc-c-heading--border___K8dj3_2734c4f"></h2><div class="mdc-o-content-body Profile_mck-c-profile__content-body__r8B5S"><p>Based in London, Sid Azad has over 15 years of consulting experience in the financial-services industry, advising banks, asset managers, and life insurers across Europe. His primary focus is retail banking, particularly high-net-worth banking, wealth management, and long-term savings. He has also advised nontraditional players in exploring ways to participate in the financial-services space, especially payments.</p> <p>Examples of Sid鈥檚 client work include:</p> <ul> <li>leading several studies for large global and regional banks on their go-to-market strategy for private banking, including determining market and booking-center participation, business-model refinement, post-regulatory reforms, proposition and pricing development, reputational-risk management, and operating-model design</li> <li>working with the retail bank of one of the world鈥檚 largest universal banks to develop a five-year business plan, future client segmentation, and capability-development road map</li> <li>advising global and regional wealth managers on their investment management and savings propositions as well as their future business and operating model, given significant industry disruption across the value chain, resulting in revamped central investment offices to enhance scalability, reduce costs, and significantly lower the risk profile</li> <li>advising several global asset and wealth managers on developing and launching their direct-to-consumer businesses, including proposition design, robo- and algorithmic advice, underlying product architecture, platform and digital user interfaces, and operating-model design</li> <li>advising universal banks on their long-term strategy development in light of disruptive macroeconomic and digital headwinds</li> </ul> <p>Before joining McKinsey, Sid was a financial-services partner at PwC Strategy& (formerly Booz & Company) in London. He has an MBA with distinction from the London Business School and Bachelors in Commerce with distinction and triple first class honours from University of Delhi.</p> <p>Sid is McKinsey's partner sponsor of recruiting for London Business School.</p></div><div class="Profile_mck-c-profile__area-a__YIGXu container-placeholder mdc-u-grid mdc-u-grid-gutter-lg"></div></div><div class="Profile_mck-c-profile__sidebar-wrapper__E52KM"><div class="container-sidebar mdc-u-grid mdc-u-grid-gutter-xxl"><button data-component="mdc-c-button" aria-label="" type="button" id="button_id" class="mdc-c-button___U4iY2_2734c4f mdc-c-button--primary___Ed-lT_2734c4f mdc-c-button--size-large___jwpUy_2734c4f" data-layer-event-prefix="Exit Link" data-layer-action="click" data-layer-category="social" data-layer-subcategory="partner" data-layer-subcategory2="email" data-layer-text="Share this profile on email"><span data-component="mdc-c-icon" class="mdc-c-icon___oi7ef_2734c4f mck-email-icon 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class="mdc-c-link__label___Pfqtd_2734c4f">Insurance</span></a></li><li><a data-component="mdc-c-link" href="/industries/financial-services/how-we-help-clients/retail-and-small-business-banking" class="mdc-c-link___lBbY1_2734c4f"><span data-component="mdc-c-icon" class="mdc-c-icon___oi7ef_2734c4f mdc-c-icon--size-xs___g8-q5_2734c4f mck-arrow-right-icon"></span><span class="mdc-c-link__label___Pfqtd_2734c4f">Retail & Small Business Banking</span></a></li><li><a data-component="mdc-c-link" href="/industries/financial-services/how-we-help-clients/wealth-and-asset-management" class="mdc-c-link___lBbY1_2734c4f"><span data-component="mdc-c-icon" class="mdc-c-icon___oi7ef_2734c4f mdc-c-icon--size-xs___g8-q5_2734c4f mck-arrow-right-icon"></span><span class="mdc-c-link__label___Pfqtd_2734c4f">Wealth & Asset Management</span></a></li></ul></div></div></div></div></div><div class="mdc-o-content-body Profile_mck-c-profile__content-body__r8B5S Profile_mck-c-profile__additional-body__hv_Ft"><h3>Published work</h3> <p>“<a href="/industries/financial-services/our-insights/capturing-growth-in-the-evolving-uk-savings-and-retirement-market">Capturing growth in the evolving UK savings and retirement market</a>,” McKinsey & Company, March 2023</p> <p>“<a href="/industries/financial-services/our-insights/european-private-banking-resilient-models-for-uncertain-times">European private banking: Resilient models for uncertain times</a>,” McKinsey & Company, January 2023</p> <p>“<a href="/industries/financial-services/our-insights/after-a-strong-2021-european-private-banking-faces-headwinds">After a strong 2021, European private banking faces headwinds</a>,” McKinsey & Company, July 2022</p> <p>“<a href="/industries/financial-services/our-insights/banking-matters/the-future-of-private-banking-in-europe-preparing-for-accelerated-change">The future of private banking in Europe: Preparing for accelerated change</a>,” McKinsey & Company, September 2020</p> <p>“<a href="/industries/financial-services/our-insights/no-going-back-new-imperatives-for-european-banking">No going back: New imperatives for European banking</a>,” McKinsey & Company, May 2020</p> <p>“<a href="/industries/financial-services/our-insights/banking-matters/european-private-banking-april-2020">European Private Banking: April 2020</a>,” McKinsey & Company, April 2020</p> <p>“<a href="/industries/financial-services/our-insights/adapting-to-a-new-normal-in-european-asset-management">Adapting to a new normal in European asset management</a>,” McKinsey & Company, November 2019</p> <p>“<a href="/industries/financial-services/our-insights/european-private-banking-an-inescapable-call-for-action">European private banking: An inescapable call for action</a>,” McKinsey & Company, September 2019</p> <h3>Past Experience</h3> <p><strong>PwC Strategy& (formerly Booz & Company)</strong><br /> Consultant and partner</p> <p><strong>Kraft Foods</strong><br /> Strategy analyst</p> <p><strong>EY</strong><br /> Analyst</p> <p><strong>AIESEC</strong><br /> National vice president</p> <h3>Education</h3> <p><strong>London Business School</strong><br /> MBA</p> <p><strong>University of Delhi</strong><br /> Bachelors of commerce</p></div></div><div class="mdc-u-grid mdc-u-grid-gutter-xl mdc-u-mt-5"></div></div></div></main></div><script id="__NEXT_DATA__" type="application/json">{"props":{"pageProps":{"locale":"en","dictionary":{},"sitecoreContext":{"route":{"name":"Sid Azad","displayName":"Sid Azad","fields":null,"databaseName":"web","deviceId":"fe5d7fdf-89c0-4d99-9aa3-b5fbd009c9f3","itemId":"931b1236-6e30-4b34-8dc4-0996d733f90d","itemLanguage":"en","itemVersion":3,"layoutId":"ae753eb4-a035-40b4-83bf-4b4438df6742","templateId":"882cb5bd-9600-43d9-9d6b-de8134d4a7eb","templateName":"Profile","placeholders":{"jss-main":[{"uid":"8babdffb-0cfb-45a5-8364-eb32fa63d241","componentName":"Profile","dataSource":"","fields":{"data":{"profile":{"id":"931B12366E304B348DC40996D733F90D","name":"Sid Azad","engTitle":"Sid Azad","displayName":"Sid Azad","url":"/sitecore/content/McKinsey/Home/Our People/Sid Azad","template":{"name":"Profile"},"title":{"jsonValue":{"value":"Sid Azad"}},"background":{"jsonValue":{"value":"\u003ch3\u003ePublished work\u003c/h3\u003e\n\u003cp\u003e\u0026ldquo;\u003ca href=\"/industries/financial-services/our-insights/capturing-growth-in-the-evolving-uk-savings-and-retirement-market\"\u003eCapturing growth in the evolving UK savings and retirement market\u003c/a\u003e,\u0026rdquo; McKinsey \u0026amp; Company, March 2023\u003c/p\u003e\n\u003cp\u003e\u0026ldquo;\u003ca href=\"/industries/financial-services/our-insights/european-private-banking-resilient-models-for-uncertain-times\"\u003eEuropean private banking: Resilient models for uncertain times\u003c/a\u003e,\u0026rdquo; McKinsey \u0026amp; Company, January 2023\u003c/p\u003e\n\u003cp\u003e\u0026ldquo;\u003ca href=\"/industries/financial-services/our-insights/after-a-strong-2021-european-private-banking-faces-headwinds\"\u003eAfter a strong 2021, European private banking faces headwinds\u003c/a\u003e,\u0026rdquo; McKinsey \u0026amp; Company, July 2022\u003c/p\u003e\n\u003cp\u003e\u0026ldquo;\u003ca href=\"/industries/financial-services/our-insights/banking-matters/the-future-of-private-banking-in-europe-preparing-for-accelerated-change\"\u003eThe future of private banking in Europe: Preparing for accelerated change\u003c/a\u003e,\u0026rdquo; McKinsey \u0026amp; Company, September 2020\u003c/p\u003e\n\u003cp\u003e\u0026ldquo;\u003ca href=\"/industries/financial-services/our-insights/no-going-back-new-imperatives-for-european-banking\"\u003eNo going back: New imperatives for European banking\u003c/a\u003e,\u0026rdquo; McKinsey \u0026amp; Company, May 2020\u003c/p\u003e\n\u003cp\u003e\u0026ldquo;\u003ca href=\"/industries/financial-services/our-insights/banking-matters/european-private-banking-april-2020\"\u003eEuropean Private Banking: April 2020\u003c/a\u003e,\u0026rdquo; McKinsey \u0026amp; Company, April 2020\u003c/p\u003e\n\u003cp\u003e\u0026ldquo;\u003ca href=\"/industries/financial-services/our-insights/adapting-to-a-new-normal-in-european-asset-management\"\u003eAdapting to a new normal in European asset management\u003c/a\u003e,\u0026rdquo; McKinsey \u0026amp; Company, November 2019\u003c/p\u003e\n\u003cp\u003e\u0026ldquo;\u003ca href=\"/industries/financial-services/our-insights/european-private-banking-an-inescapable-call-for-action\"\u003eEuropean private banking: An inescapable call for action\u003c/a\u003e,\u0026rdquo; McKinsey \u0026amp; Company, September 2019\u003c/p\u003e\n\u003ch3\u003ePast Experience\u003c/h3\u003e\n\u003cp\u003e\u003cstrong\u003ePwC Strategy\u0026amp; (formerly Booz \u0026amp; Company)\u003c/strong\u003e\u003cbr /\u003e\nConsultant and partner\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eKraft Foods\u003c/strong\u003e\u003cbr /\u003e\nStrategy analyst\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eEY\u003c/strong\u003e\u003cbr /\u003e\nAnalyst\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eAIESEC\u003c/strong\u003e\u003cbr /\u003e\nNational vice president\u003c/p\u003e\n\u003ch3\u003eEducation\u003c/h3\u003e\n\u003cp\u003e\u003cstrong\u003eLondon Business School\u003c/strong\u003e\u003cbr /\u003e\nMBA\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eUniversity of Delhi\u003c/strong\u003e\u003cbr /\u003e\nBachelors of commerce\u003c/p\u003e"}},"about":{"jsonValue":{"value":"\u003cp\u003eBased in London, Sid Azad has over 15 years of consulting experience in the financial-services industry, advising banks, asset managers, and life insurers across Europe. His primary focus is retail banking, particularly high-net-worth banking, wealth management, and long-term savings. He has also advised nontraditional players in exploring ways to participate in the financial-services space, especially payments.\u003c/p\u003e\n\u003cp\u003eExamples of Sid\u0026rsquo;s client work include:\u003c/p\u003e\n\u003cul\u003e\n \u003cli\u003eleading several studies for large global and regional banks on their go-to-market strategy for private banking, including determining market and booking-center participation, business-model refinement, post-regulatory reforms, proposition and pricing development, reputational-risk management, and operating-model design\u003c/li\u003e\n \u003cli\u003eworking with the retail bank of one of the world\u0026rsquo;s largest universal banks to develop a five-year business plan, future client segmentation, and capability-development road map\u003c/li\u003e\n \u003cli\u003eadvising global and regional wealth managers on their investment management and savings propositions as well as their future business and operating model, given significant industry disruption across the value chain, resulting in revamped central investment offices to enhance scalability, reduce costs, and significantly lower the risk profile\u003c/li\u003e\n \u003cli\u003eadvising several global asset and wealth managers on developing and launching their direct-to-consumer businesses, including proposition design, robo- and algorithmic advice, underlying product architecture, platform and digital user interfaces, and operating-model design\u003c/li\u003e\n \u003cli\u003eadvising universal banks on their long-term strategy development in light of disruptive macroeconomic and digital headwinds\u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003eBefore joining McKinsey, Sid was a financial-services partner at PwC Strategy\u0026amp; (formerly Booz \u0026amp; Company) in London. He has an MBA with distinction from the London Business School and Bachelors in Commerce with distinction and triple first class honours from University of Delhi.\u003c/p\u003e\n\u003cp\u003eSid is McKinsey's partner sponsor of recruiting for London Business School.\u003c/p\u003e"}},"additionalExpertise":{"jsonValue":{"value":""}},"expertisePosition":{"jsonValue":null},"autoFetchPublishedWork":{"boolValue":false},"externalPublishedWork":{"jsonValue":{"value":""}},"aboutName":{"jsonValue":{"value":"Sid"}},"expertise":{"jsonValue":[{"id":"1d07264d-ef0e-4019-8ee6-ae8259873c87","url":"","name":"Financial Services","displayName":"Financial Services","fields":{"Related Link":{"value":{"href":""}},"Title":{"value":"Financial Services"},"Faceted Search":[],"Practice E-mail":{"value":"FS_External_Relations@mckinsey.com"},"Closer Tout 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