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Umbrex is pleased to welcome Eric J. Rajendra. A summary of Eric’s experience follows. “I am a well-tested independent consultant and long-standing supervisory board director who enjoys working hands-on with my clients and senior colleagues. I started my career as a banker at what is now JPMorgan Chase & Co./Chase in NYC and then embarked […]

Umbrex is pleased to welcome David Rancourt. A summary of David’s experience follows. “I’m David and my niche is the intersection of Finance and Strategy in the financial sector. I have worked closely with CFOs and other senior executives on key strategic issues where analytical rigour and both business and financial acumen are critical. My […]

This article from Wolfgang Hammes outlines the risks of an impending inflation crisis. Lot of things have happened over the past two weeks. If you follow me, you probably have read my extensive posts on Silicon Valley Bank and other bank failures. I don’t want to repeat what I wrote in my posts: Just this: […]

Umbrex is pleased to welcome Bill Bentaieb. Bill has, since 1998, been a consultant and interim transformation executive serving as Head of Finance, HR and Technology Transformation, Global Business Services, Analytics, BI and Outsourcing Programmes. As an independent consultant and interim executive, he supports and leads business transformation programs including the design, implementation and optimization […]


Tobias Baer shares an article on credit risk and the perils of the buy-now-pay-later trend. A just-published TransUnion study shows that buy-now-pay-later (BNPL) takes the UK (just as other markets) by storm, with 35% of the population having used it in the past 12 months (driven in particular by Gen Z and Millennials with up […]

Luiz Zorzella shares an article designed to help improve strategy by understanding your net Interest margin (NIM).  If you are a bank executive and want to manage the bank’s business strategically, you must understand the key drivers of your bank’s profitability and the trade-offs they imply. For example, to some extent, banks can trade the […]

Umbrex is pleased to welcome Hugo Teophilo Rufino. Hugo has worked for McKinsey in the practices of financial services, public sector mostly serving clients in strategy, org design, performance implementation and digital transformation Besides McK, he worked for PwC/Strategy&, Altran and as Executive Director for companies in the Tech and Insurance industries He lives in […]

Peet van Biljon shares a recently published article on quantum computing in finance. There are two competing narratives on quantum computing. The first is that the technology is overhyped, still in its infancy, beset by enormous technical challenges and that full-scale, reliable quantum computers are decades away. The second is that many companies, including some […]

Sanjay Gandhi shares an article that discusses strategies for companies and High Net Worth families and individuals that can provide a silver lining amidst the tough news and provide long-term benefits when valuations rise again. The coronavirus (COVID-19) has resulted in significant public market losses, as reflected in daily stock market gyrations and volatility. Private […]

Umbrex is pleased to welcome Marco Berizzi.  Marco acted as Chief Financial Officer within pharmaceutical and medical device space and as Head of Business Solutions for a company developing business intelligence, advanced analytics and planning platforms in Switzerland since 2013. Prior to this, he spent almost six years in Bain & Company, Italy accomplishing business […]