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Nicole Zhou

Senior PartnerShenzhen

Advises commercial banks and wealth-and-asset managers on strategy, transformation, and implementation; brings particular expertise in digital marketing and customer experience

Nicole leads McKinsey’s work on banking and wealth-and-asset management in Greater China. With more than 15 years of consulting experience, she supports China’s leading financial institutions in driving transformational change and advises global institutions on their strategy and partnerships in China.

Some of Nicole’s recent projects include the following:

  • advising a series of leading national banks on challenges—including driving customer personalization at scale
  • reinventing customer and employee experiences
  • implementing agile transformations across business units and regions
  • redesigning a wealth management business for the digital era
  • helping a leading national bank define its growth strategy and five-year plan
  • supporting a regional bank with a three-year digital transformation of its retail and small- and medium-size enterprise banking business

Nicole is also a leader of McKinsey’s work on transformative capability building and growth transformations in retail banking across Asia. Her areas of focus include people and organizational performance, product and customer experience, and digital and analytics.

Nicole holds an MBA from the University of Chicago Booth School of Business, and a BA in economics from Fudan University.

Published Work

Financial decision-maker sentiment: China,” McKinsey & Company, December 23, 2020

Remaking banking customer experience in response to coronavirus,” McKinsey & Company, April 7, 2020

What’s next for China’s booming fintech sector?,” McKinsey & Company, July 21, 2016


Booth School of Business, University of Chicago
MBA, economics and finance

Fudan University
BA, economics