Harsh Kumar, CFA

Co-Founder

Bengaluru, Karnataka, India21 yrs 3 mos experience

Most Likely To SwitchHighly Stable

Key Highlights

22 years of experience in wealth management.
CFA charterholder with strong technical foundation.
Author of a published novel.

Stackforce AI infers this person is a Fintech expert with a focus on wealth management and investment advisory.

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Skills

Core Skills

Wealth ManagementPortfolio ManagementInvestment AdvisoryAsset ManagementClient ServicingBusiness DevelopmentSales Management

Other Skills

Asset AllocationClient Relationship ManagementInvestment StrategyClient AdvisoryPortfolio StrategyRisk ManagementMarket PositioningTeam LeadershipFinancial AnalysisFinancial OutsourcingMarket ResearchTeam ManagementBrandingInventory ManagementMarket Analysis

About

Harsh is the Co-Founder and Managing Partner of Zvest Financial Services LLP, where he partners with Ultra High Net Worth Individuals (UHNIs) to design integrated and thoughtful financial solutions. His philosophy is simple - wealth management is not only about returns, but about understanding families, aspirations, legacy, and risk comfort. With over 22 years of experience across Citibank N.A., Olam International Limited, and Maruti Suzuki India Limited, he blends institutional depth with a personalised advisory approach. In his previous role as Head of Investment Advisory at ICICI Bank Wealth Management, Bangalore, he worked closely with affluent and UHNI families to build disciplined, long-term investment frameworks. His exposure to Indian and global markets across asset classes enables him to craft balanced, forward-looking strategies aligned to each client’s unique journey. An MBA from IIT Delhi, a B.Tech in Industrial Production, and a Chartered Financial Analyst® (CFA) charterholder from the CFA Institute, USA, form the strong technical foundation behind his wealth management approach. Outside of finance, Harsh is a passionate fiction writer. His debut novel, “Suicide Note of the Father of Punjab,” was published in March 2020.

Experience

21 yrs 3 mos

Total Experience

3 yrs 6 mos

Average Tenure

9 yrs 5 mos

Current Experience

Zvest financial services

Managing Partner

Nov 2016 – Present · 9 yrs 5 mos · Bengaluru, Karnataka, India · On-site

Co-founded Zvest with the vision of building a boutique, research-driven wealth management firm focused on long-term relationships rather than short-term product distribution.
Lead portfolio strategy and asset allocation for Ultra High Net Worth Individuals (UHNIs), entrepreneurs, and senior professionals across Indian and global markets. Work closely with families to design disciplined, multi-asset investment frameworks aligned to risk appetite, liquidity needs, and legacy goals.
At Zvest, we combine institutional investment rigour with personalised advisory - focusing on structured compounding, capital preservation, and intergenerational wealth continuity

Wealth ManagementPortfolio ManagementAsset AllocationClient Relationship Management

Icici bank

2 roles

Regional Investment Specialist

Promoted

Apr 2016 – Nov 2016 · 7 mos

Led the Investment Advisory function for affluent and UHNI clients, overseeing portfolio strategy, asset allocation, and market positioning across asset classes.
Advised on equity, fixed income, and alternative strategies, balancing return objectives with risk management discipline. Worked closely with relationship teams to design customised portfolio solutions aligned to client mandates and evolving market conditions.
This role provided deep exposure to large-scale portfolio management, team leadership, and institutional investment frameworks - laying the foundation for building a boutique advisory platform with an entrepreneurial mindset.

Investment AdvisoryPortfolio StrategyRisk ManagementMarket PositioningPortfolio Management

Investment Specialist

Apr 2011 – Mar 2016 · 4 yrs 11 mos

Increased Debt and Equity AUM from 100cr to 400cr in five years by ensuring prudent asset allocation and exceptional client servicing leading to a repeat business of 40% and client activation of 20%.
Contributed to 20% of Bangalore region’s mutual fund throughput and achieved targets by 130% for 2014-15
Supervised team of 10 Wealth Managers. Ensured highest team productivity in the zone; 5 team members promoted in 2014-15
Recognized for throughput and fee achievement at various forums like Rise to Glory 1&2, Exceptionals etc at National level
Launched and Edited in-house magazine “Wealth Connect”; addressing issues of simplifying complex financial concepts

Client ServicingAsset ManagementTeam LeadershipFinancial Analysis

Fiables it outsourcing services (fios)

Business Partner

May 2010 – Mar 2011 · 10 mos · Greater Hyderabad Area

Identified gap in banking requirements of small and medium enterprises; formulated financial outsourcing model and established a niche practice; achieved profitability from 2nd month itself with 15 clients on contract
Developed a rural financial outsourcing plan; finalist in prestigious Economic Times Power of India Business Plan 2010

Financial OutsourcingBusiness DevelopmentMarket Research

Citibank

Head, Wealth Management, Citibank Hyderabad

Jan 2008 – Apr 2010 · 2 yrs 3 mos · Greater Hyderabad Area

Built 150cr AUM in Equity for High Net Worth accounts; Handled 6 Relationship Managers and 15 Counsellors
Managed high beta portfolio & delivered a return of 14% in turbulent 2008-09 period.
Generated bottom-line of INR3cr per annum
Nominated “Citi Champion” for end-to-end execution of Citibank’s four new social initiatives in Hyderabad

Wealth ManagementPortfolio ManagementTeam Management

Olam international limited

Business Manager

Jan 2007 – Aug 2007 · 7 mos · Algeria

Spearheaded business development for Milk Powder in Algeria
First Olam representative to start operations from scratch
Executed entire project from marketing research, branding, pricing to distribution in a market size of 25,000 MT
Pioneered business in East and West Algeria by appointing & directing 5 distributors. Achieved a volume of 300 MT

Business DevelopmentMarket ResearchBranding

Maruti udyog limited

Territory Sales Manager

May 2004 – Jan 2007 · 2 yrs 8 mos · Chandigarh, Chandigarh, India

Responsible for passenger cars sales for the Chandigarh and Jalandhar area; market size of 28,000 cars, equivalent to 5% of India’s car sales
Successfully implemented online dealer’s management system for 45 Maruti car dealers of North India
Used efficient forecasting, inventory management, marketing tools; improved market share by 6% to 55% from 2004-07

Sales ManagementInventory ManagementMarket Analysis