Transformation Advisory · APAC & EMEA

The executive who
ran the transformation.
Now advising yours.

Most advisors design the plan and leave. Adi Mujumdar delivered the transformation at Iress as an executive — holding P&L accountability, moving into the business, and achieving results the ASX reported publicly.

Principal
Adi Mujumdar
Former Deputy CTO, Iress (ASX: IRE)
Prior Firm
VP Transformation, McKinsey & Company
9 years · 4 countries
Coverage
APAC — Australia, NZ, Singapore
EMEA — Netherlands
+500bps EBITDA Margin
Expansion at Iress
FY24 reported · Iress ASX: IRE
A$88.7M NPAT from Net Loss
in Prior Year
FY24 reported · Iress ASX: IRE
2.8x → 1.0x Leverage Reduced
in 18 Months
FY24 reported · Iress ASX: IRE
$1bn+ Cost Programme Scope
at Major ANZ Bank
McKinsey engagement · client confidential
What We Do

Three ways to close
the performance gap

Rubicon Advisory works with boards and CEOs on cost transformation, full enterprise transformation, and standalone diagnostics. Every engagement is led personally by Adi Mujumdar.

01 — Cost Transformation

Close the cost gap.
Keep the capability.

Identify and capture 8–22% of your operating cost base through five proven workstreams — built on McKinsey's global transformation methodology, tested at Iress.

  • Workforce and organisation redesign
  • Technology and architecture simplification
  • Operations and process transformation
  • Premises and real estate rationalisation
  • Procurement and vendor management
3-year programme · Conservative / Base / Stretch scenarios
02 — Full Transformation

Fix the cost base.
Protect the growth.

End-to-end transformation combining cost efficiency with revenue protection and growth — for companies that cannot afford to sacrifice the recovery while fixing the cost structure.

  • All five cost workstreams
  • Revenue protection and pricing discipline
  • Portfolio rationalisation and capital reallocation
  • Operating model redesign for P&L accountability
  • Long-term growth strategy through the programme
18–30 month programme · Board-reportable milestones
03 — P0 Diagnostic

Size the prize.
No commitment required.

An 8–10 week standalone diagnostic that names the peers, sizes the gap, builds the business case, and produces a board-ready roadmap. Fixed fee. No obligation to proceed.

  • Full cost baseline and named peer benchmarks
  • Five workstreams sized across three scenarios
  • Implementation roadmap with phasing and milestones
  • Board-ready NPV model and business case
  • Recommendation on programme sequencing and risk
8–10 weeks · Fixed fee · Standalone deliverable
The Advisor

The operator behind
Rubicon Advisory

"Most advisors designed the plan and left. Adi designed the plan, moved into the client's office, and delivered it as an executive. That changes the advice — it is sharper, more honest, and grounded in what actually works when you are the one accountable for the number."

Adi Mujumdar founded Rubicon Advisory to bring a fundamentally different kind of transformation leadership to boards and CEOs across APAC and EMEA.

His nine years at McKinsey & Company — across banking, financial services, B2B software, retail, and advanced industries in four countries — gave him the analytical rigour and methodology of the world's top advisory firm.

But it was his time as Deputy Chief Transformation Officer at Iress (ASX: IRE) that set him apart from every other advisor in the market. At Iress, Adi did not advise on the transformation. He ran it — with P&L accountability, executive authority, and 18 months embedded in the business.

The programme turned a net loss into A$88.7M NPAT, reduced leverage from 2.8x to 1.0x, reinstated dividends, and delivered a 60% share price recovery from programme low. Every figure is publicly reported. No other transformation advisor in Australia can say the same.

  • Deputy Chief Transformation Officer
    Iress (ASX: IRE) · 2024–2025
    P&L accountability. Full enterprise transformation: cost efficiency, pricing discipline, portfolio rationalisation, operating model redesign, org restructure to enforce P&L ownership. EBITDA +500bps to 22% · NPAT A$88.7M from net loss · Leverage 2.8x to 1.0x.
  • Vice President, Transformation Practice
    McKinsey & Company · 2015–2024
    9 years. 4 countries. Banking, Finserv, B2B Software, Retail, Advanced Industries. Led $1bn+ cost-efficiency programme at a major Australian bank. Part of the global team that codified McKinsey's transformation methodology. Replicated the playbook at a global institution in Singapore.
Industries
Banking & Finserv B2B Software / SaaS Retail & Consumer Advanced Industries Telecoms & Media
Geography
Australia New Zealand Singapore Netherlands
The Rubicon Difference
The Operator

Deputy CTO, Iress — P&L accountability. Executive authority.

  • Held a seat at the table — not a slide on the table
  • Chaired the transformation SteerCo with full executive authority
  • Accountable for every result reported to the ASX board
  • 18 months embedded — not parachuted in for a presentation
  • Redesigned the org to make the results structural, not behavioural
Combined
The Advisor

VP Transformation, McKinsey — 9 years, 4 countries, the global playbook.

  • Led $1bn+ cost-efficiency programmes in Australian banking
  • Replicated the methodology at a global institution in Singapore
  • Part of the team that codified McKinsey's global transformation playbook
  • Managed 15–20 consultant teams across 4 concurrent workstreams
  • Cross-industry: Banking, Finserv, Software, Retail, Advanced Industries
"You are not hiring a firm that will staff a team of junior consultants on your programme.
You are hiring the person who has sat in your seat and done this — then staying to make sure it holds."
Our Approach

Four phases.
One accountable lead.

Based on McKinsey's global transformation methodology, which Adi helped codify as part of the global team. Every phase is led with Adi embedded in your business — not advising from a distance.

P0
Diagnostic
8–10 Weeks · Fixed Fee

Cost baseline, named peer benchmarks, five workstreams sized across three scenarios. Board-ready business case and NPV model. No commitment to what follows.

P1
Design
4–8 Weeks

Programme architecture, workstream team alignment, governance model, change readiness. The plan your leaders will own — not a consulting deck they will file.

P2
Deliver
12–24 Months

Adi chairs the SteerCo, your leaders run the workstreams. Every savings initiative tracked against the model. No layers. No leverage. Direct access to the decision-maker at all times.

P3
Sustain
Ongoing

Operating model redesigned so savings are structural, not behavioural. The org is rewired around P&L ownership. Results hold because your team owns them from day one.

This is how the Iress transformation worked. The results held because the organisation was restructured to enforce P&L accountability — not because people were asked to spend less. That is the difference between a cost review and a transformation.
Selected Work

Three engagements.
All verifiable.

Every proof point below is real. Iress is publicly disclosed and may be verified against ASX filings. The McKinsey engagements are described at the level permitted by client confidentiality.

Iress entered the programme from a position of acute financial stress: FY23 net loss, leverage at 2.8x, dividends suspended, and share price at its programme low. A cost review was not enough. The business required a full enterprise transformation — cost, operating model, portfolio, and strategy reset simultaneously.

Adi joined as Deputy Chief Transformation Officer with full P&L accountability. This was not an advisory engagement. He held executive authority, chaired the transformation SteerCo, and was accountable for every outcome reported to the ASX board.

Programme scope: cost efficiency, pricing discipline, portfolio rationalisation (divestment of non-core assets), operating model redesign, and org restructure to enforce P&L ownership. Duration: 18 months. Post-transformation, Adi designed the long-term strategy to double recurring revenue growth while sustaining margins.

+500bps EBITDA margin to 22% — beat guidance every quarter
A$88.7M NPAT — from a net loss in FY23
2.8x→1.0x Leverage reduction over the 18-month programme
+60% Share price recovery from programme low; dividends reinstated

Adi led the setup and initial execution of a $1bn+ cost-efficiency programme at a top-tier Australian financial institution, working as part of McKinsey & Company. Workstreams spanned workforce redesign, technology rationalisation, procurement transformation, and process automation.

Programme team: 15–20 McKinsey consultants plus 40+ client team members running four concurrent workstreams. Duration: 18+ months across two phases. Following successful delivery, the client renewed for a second year — Adi led the annual pipeline refresh to extend and refine the programme.

This engagement shaped McKinsey's global transformation playbook. Adi was part of the team that codified the methodology that is now used on transformation programmes worldwide.

$1bn+ Total cost efficiency target identified and programmed
Year 2 Client confidence: engagement renewed for programme refresh
55-person Programme team across four concurrent workstreams
Global Shaped McKinsey's worldwide transformation methodology

Adi was recruited specifically to replicate the Australian cost-efficiency programme at a global financial services group with significant APAC operations, headquartered in Singapore.

The challenge: adapt the diagnostic framework for APAC market conditions — MAS regulatory framework, cross-border operations, different labour markets — while preserving the core transformation methodology. The programme was led from diagnostic setup through to execution.

This engagement demonstrated the portability of the transformation playbook across jurisdictions. The same five-workstream structure — adapted for a materially different regulatory and operating context — delivered the same quality of cost baseline and diagnostic output.

APAC Methodology adapted for MAS regulatory framework and cross-border operations
Proven Same five-workstream playbook — different jurisdiction, identical rigour
End-to-End Programme delivered from diagnostic through execution
SGP · AUS · NL Active cross-border delivery coverage across three jurisdictions