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Arvind Govindarajan


Focuses on risk identification, scenario design, scenario-based forecasting, credit risk, stress testing, liquidity risk, simulation-based modeling, risk appetite, and enterprise risk management.

Arvind assists executives across industries with their strategic and risk problems using a range of advanced analytics techniques, empowering firms to improve their analytics capabilities. He is the leader of Risk Dynamics, a McKinsey company, in the Americas.

Arvind has served a range of financial and non-financial institutions globally, such as banks, asset managers, oil, gas, and chemical producers, pharmaceutical makers, and utilities. He helps clients use analytics to better manage their balance sheet, portfolio, and profit and loss (P&L) through the creation of scenarios and scenario-based forecasting, along with more advanced techniques such as stochastic modeling. In addition, he serves financial institutions and utilities in managing their credit risk through the credit lifecycle from underwriting to customer assistance.

Published work

Embracing generative AI in credit risk,” McKinsey & Company, July 2024

The future of wealth and growth hangs in the balance,” McKinsey Global Institute, May 2023

2023, a testing year: Will the macro-scenario range widen or narrow,” McKinsey & Company, January 2023

Data and analytics innovations to address emerging challenges in credit portfolio management,” McKinsey & Company, December 2022

Planning for 2023: How US-based business can succeed when capital and talent are constrained,” December 2022

Something’s coming: How US companies can build resilience, survive a downturn and thrive in the next cycle,” McKinsey & Company, September 2022

Using analytics to address inflation risks and strengthen competitive positioning,” McKinsey & Company, August 2022

War in Ukraine: Twelve disruptions changing the world,” McKinsey & Company, May 2022

War in Ukraine: Lives and livelihoods, lost and disrupted,” McKinsey & Company, March 2022

What does resilience mean in capital and balance-sheet management?,” McKinsey & Company, July 2021

Leadership’s role in fixing the analytics models that COVID-19 broke,” McKinsey & Company, September 2020 

Derisking AI by design: How to build risk management into AI development,” McKinsey & Company, August 2020

Amid volatile commodity prices, beware of cognitive bias,” McKinsey & Company, May 2020

In the tunnel: Executive expectations about the shape of the coronavirus crisis,” McKinsey & Company, April 2020

Safeguarding our lives and our livelihoods: The imperative of our time,” McKinsey & Company, March 2020

Navigating near-term earnings gaps while preparing for economic headwinds,” McKinsey & Company, November 2019

Resilience through a downturn,” McKinsey & Company, July 2019

Expanding horizons for risk management in pharma,” McKinsey & Company, May 2018

The analytics-enabled collections model,” McKinsey & Company, April 2018

Past experience

Massachusetts Institute of Technology
Assistant Director, RIKEN-MIT Center for Neural Circuit Genetics
Research Scientist

Howard Hughes Medical Institute


Massachusetts Institute of Technology
PhD, biology

University of Toronto Scarborough
BA, chemistry, biochemistry & computer science