Divya Iyer

Divya Iyer is a Practice Leader at HFS Research, leading the firm’s research and advisory across banking and financial services. Her work focuses on how banks, insurers, lenders, payments firms, fintechs, and the wider financial services ecosystem are navigating the intersection of technology, operating model transformation, and changing business economics. She works closely with financial services enterprises, technology and services providers, and the broader ecosystem to actualize their goals, articulate business impact, and unlock value from these relationships.

With two decades of experience in financial services, Divya brings deep expertise across IT and business services, banking and insurance operations, and technology led transformation. Her research spans the forces reshaping the industry, including AI and automation, payments, lending, insurance, data modernization, digital business models, and the evolving role of technology and services partners in financial services.

Prior to HFS Research, Divya built her financial services experience across banking, insurance, capital markets, equity research, financial modeling, data analysis, client management, and strategic project development. She spent several years at Copal Amba, a Moody’s Analytics subsidiary, covering the insurance and banking sectors across the US and Asia Pacific markets, while also supporting business development for its quantitative research division. She subsequently worked with fintech start-ups, leading the delivery and strategic growth of AI solutions and platforms.

Divya earned her master’s degree in finance and management, with distinction, from the University of Glasgow. She lives in Bangalore with her husband and son. Divya is an avid reader of spiritual books. She is passionate about travel and food and loves indulging in home décor and interiors.