Sagar Varyani
Sagar Varyani · Mumbai · Analyst

I spend a lot of time trying to understand how things work.

Finance, AI, banking, politics, systems — curiosity doesn't have a single lane.

This is where I document what I'm learning.

Curiosity takes you places you have never imagined

Scroll to explore

The path

Journey

Worked across finance, consulting, and banking. Different contexts, similar questions.

Mar 2026 – Present

IDFC First Bank

Analyst

Now

Making operations legible.

Retail Underwriting Operations. Working with operational data across multiple hubs, supporting a large team of operations managers across India. The work is fundamentally about clarity — turning messy data into decisions, reducing manual effort, finding where automation genuinely helps. This is where I spend most of my time thinking about systems.

Data Analytics Dashboard Design Process Improvement AI Exploration

Oct 2025 – Dec 2025

Colliers

Senior Associate

Research as a way of thinking.

Corporate real estate consulting. GCC research, workspace strategy, future-of-work analysis. A short stint, but it sharpened how I approach research — using data to construct arguments rather than just to support them. Also explored how generative AI is reshaping physical workplaces. That question is more interesting than it initially sounds.

Market Research Corporate Real Estate Strategic Communication

Mar 2025 – Oct 2025

EY

Associate Consultant

Understanding the pipes beneath the economy.

Risk Consulting for one of the world's largest global banks. FEMA regulations, RBI guidelines, capital account transactions, controls testing. Most people interact with banks through apps. This gave me a view of what's underneath — the operational and regulatory infrastructure that makes financial systems actually work.

Banking Operations Risk & Controls Regulatory Framework Compliance

Aug 2022 – Mar 2025

Deloitte

Executive

Learning to think in structure.

Three years across operations and valuation teams. Financial modelling, WACC, comparable transactions, management dashboards for global stakeholders. The work taught me something beyond the technical: that good thinking has to be structured before it can be communicated. I also discovered that automation isn't just a productivity tool — it's a way of thinking clearly about repetitive work.

Financial Modelling Automation MIS Reporting Variance Analysis

Jun 2022 – Aug 2022

Accenture

New Associate

Where it started.

A short beginning. I walked into a large organization and saw, for the first time, how professional services operate at scale. More observer than contributor — but a useful introduction to how professional life actually works.

What occupies my mind

Curiosity Map

The areas I keep returning to. Hover any node to see how they connect.

Tap any topic to explore

Right now

Currently

Reading

Animal Farm by George Orwell, and White Nights by Fyodor Dostoevsky.

Learning

Reading about AI updates — models, tools, use cases. Figuring out what's actually useful versus what's just impressive.

Thinking

How curiosity compounds. The more you understand one thing, the more interesting everything else gets.

Building

Building cleaner dashboards. Trying to make operational data easier to actually use.

Recently Read

State of AI in Financial Services by Nvidia. Good overview of where the industry is heading.

Thinking out loud

Notes

Short thoughts. Not articles. Just things I keep coming back to.

Borrowed Thoughts 21 Jun 2026

Most of my ideas are borrowed ideas. I'm only 24. I haven't lived enough life to claim much wisdom. Yet every once in a while a thought appears that feels genuinely mine.

A Home I've Never Been To 28 Jun 2026

Why does a city I've never lived in feel more like home than the place I actually live?

I have never been to Bangalore, yet I feel drawn to it. Whenever I think about where I belong, Bangalore is the first place that comes to mind.

I'm a 24 year old living on the outskirts of Mumbai, trying to figure out life like everyone around me.

My career so far has been less of a straight line and more of a collection of experiments. Different jobs, different industries, different lessons.

The one thing that has stayed constant is my curiosity.

When I think of Bangalore, I don't think of roads, weather, or real estate prices.

I think of people building startups, ideas, conversations in cafes, small teams trying to solve problems, and people who are curious enough to start before they feel ready.

A lot of the content I consume happens to come from Bangalore. The Kamath brothers, founder interviews, startup podcasts. Almost all the people I look up to are from Bangalore. Kunal Shah has probably been the biggest influence on how I think.

I tried to move, multiple times actually. Some opportunities didn't work out, some weren't practical, some simply weren't the right fit.

So I stayed where I was.

Maybe Bangalore isn't really what I'm searching for.

Maybe I'm just searching for a place where curiosity feels normal.

A place where building things is encouraged.

A place where ambitious conversations don't feel unusual.

Maybe that place is Bangalore.

Maybe it isn't.

But for now, it's the closest thing I've found to a home I've never been to.

Get in touch

If you are curious too —

Let's connect.