Three-D Consulting is a specialist partner for People and Organizational excellence to the Banking and Financial services industry.


We operate across three verticals:

  • Consulting
  • Executive Coaching / Mentoring
  • Corporate Training


The over-arching goal is to partner organizations to develop and execute strategy for sustained success, while ensuring that the human resource capability is geared to support business excellence.

Some of our clients:

meet the | team

Harsh Munjal

Managing Director


Harsh Munjal has held several high profile roles with a wide range of leading financial institutions. He started his career in 1987 with American Express in the USA and joined the ranks of Citibank, Standard Chartered Bank, HDFC Bank, Dubai Bank, National Bank of Bahrain and National Bank of Oman.


In many instances of his working career, he has been instrumental in setting up and pioneering the building blocks for many of these multinational banking giants. Harsh has built a reputation as a turnaround expert in the industry. Successfully turning around businesses and the careers of many members of his team.


Harsh has been featured in Lafferty’s Top Retail Bankers in 2012 and has won the “Best Retail Bank in Oman” for 2011 and 2012 with the Asian Banker.


He has recently concluded tremendously successful workshops with Ajman Bank, Bank Muscat and Al Izz Islamic Bank, all of whom have benefited greatly by applying his methods to their workplace.

Neil Cabral


Consultant and Executive Coach


Neil has worked as a Private Banker for some of the leading Global Banks. These include Citibank, HSBC, ICICI Bank and National Bank of Oman, across markets in the Middle East and India. He has had extensive experience in advising high net worth clients and Corporates across products like Mutual Funds, Bonds, Structured notes, Private Equity and Portfolio management among others.


He holds an MBA in Marketing and a Level 3 certificate in wealth management from the Chartered Institute of Securities and Investments, UK. He started his career in 2001 as Deputy Manager in Tata International Ltd, a manufacturing and international trade company with a global footprint. Over a 15 year career, Neil has worked in manufacturing, international trade and logistics, apart from banking and wealth management.


Neil has chosen to leverage his experience in Banking by transitioning into Consulting and Executive Coaching. He is a Certified Professional Coach from the International Coach Academy and is on his way to acquiring accreditation from the International Coach Federation.


Neil Cabral is an accomplished Corporate Trainer, having developed and delivered cutting edge soft skills workshops in areas like Sales, Presentation Skills, Conflict Management and  Personal Effectiveness.


He is an avid Marathon runner and Triathlete. His diverse interests and cross-disciplined background helps establish a better connect with clients.

Dr Anil Menon

Expert Trainer


Dr. Anil Menon has more than 17 years of experience in the field of Corporate Finance & Financial Services.


His core expertise is in Financial Management, Financial Modelling, Business Valuations, and Mergers and Acquisitions.


Dr. Menon has extensive training and teaching experience as Professor at one of India’s leading business schools, S. P. Jain Institute of Management and Research, Mumbai and a regular speaker for the finance & strategy sessions at Confederation of Indian Industry (CII).


He has several decades of training experience, with clients such as Arvind Mills, Wartsila Power, JSW Energy, GVK, SBICAPs, General Motors, IDFC, Lime Chemicals, ILFS etc.


He has worked as Assistant Vice President at SBI Capital Markets Ltd., a premier investment bank in India. Dr Menon is the author of "Financing and Costing of projects".

Ahmed Bin Braik



A prominent UAE national banker, Mr Ahmed Bin Braik ranks amongst the senior most finance professionals in the GCC and MENA region. Mr Bin Braik initially joined Citibank N.A. in 1981 as an Account Officer - Relationship Management. Having held key roles such as Corporate Banking Head and Private Banking Group Head to then become Business Manager UAE & Gulf. Mr Bin Braik went on to lead Citibank N.A. UAE & Oman as CEO for 12 years. He established a diversified business in Commercial and Retail to become today a premier institution in the UAE and the first in many areas including leadership in credit cards and winning of Dubai Quality Awards. During his tenure, Citibank N.A. registered an explosive growth in profits from a loss of AED  1 million in 1990, to touch a record AED 150 million.


Most recently, Mr Bin Braik held senior positions within the Majid Al Futtaim Holding (MAF) where he worked for nearly 10 years, retiring as the Deputy CEO of the Group Holding Company and a member of the Holding Board. Mr Bin Braik was instrumental in shaping the overall strategy of the business, negotiating key joint ventures and making acquisitions for the Group including the successful signing of the JV Agreement with Orix and JCB International to issue credit cards. During his tenor at MAF, Mr Bin Braik has held various key roles including the Chairman of MAF Ventures, Deputy Chairman of MAF Properties, Board Member of MAF Retail, MAF Trust, CEO of MAF Ventures and Acting CEO of MAF Properties.


Prior to joining MAF, Mr Bin Braik has served as founder CEO of Dubai Bank, the first UAE Bank to be successfully launched in a record time of 4 months, thus creating a new benchmark in delivery cycles as well as sheer innovation in new products and services. In addition, he was also Founder Board member of the Dubai International Financial Centre and Dubai Economic Council as well as a board member of Bank Islam Malaysia, MasterCard Middle East and Emirates Institute for Banking and Financial Studies.


A seasoned industry veteran, Mr Bin Braik currently holds directorships at Al Masraf Bank UAE and Dubai Economic Council. He is also an Advisor to the Majid Al Futtaim Holding Board.


A member of the Association of Accounting Technicians, Mr Bin Braik is a graduate of Leeds University, UK.

Copyright 2016, Three-D Consulting DMCC, All rights reserved

Copyright 2016, Three-D Consulting , All rights reserved