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About the practice
An independent consultancy that has traded continuously since 2016, led throughout by its founder.
Principal
Pravin Agarwal
Pravin Agarwal is a chartered accountant and finance change specialist with over two decades in insurance finance, investment operations and regulatory reporting. He has led target operating model design, platform selection and regulatory programmes for UK and European life insurers, asset managers and global custodians, and has run his own consultancy practice since 2016.
He qualified with EY, spending almost ten years in audit and assurance across life insurance, asset management and investment trusts in Kolkata and Edinburgh, and was selected for the firm's Accelerated Leadership Programme. He moved into industry as Head of Financial Reporting Development and later Head of Investments Accounting and Reporting at a major UK life and pensions group, then Head of Investment Accounting and Tax at a UK banking group, leading teams of up to 25.
Since 2016 he has worked through his own limited company on a succession of contract engagements: investment operations target operating models, IFRS 17 methodology, Solvency II asset data and reporting, and fair valuation frameworks for private credit and illiquid assets held on insurance balance sheets. He works as design authority and delivery lead - defining the target state, taking it through governance, and staying accountable through build, UAT and go-live rather than handing over at design stage.
Qualifications and accreditations
- Chartered Accountant - The Institute of Chartered Accountants of India (ICAI)
- Almost ten years in audit and assurance with EY, to Senior Manager
- Selected for the EY Accelerated Leadership Programme
- Practising in insurance and investment finance since 2001
Career history
A career in insurance and investment finance.
Independent practice, 2016 to date
| Athora Solution Architect and Implementation Lead, Investment Operations |
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| Athora Finance Change SME - investment operations, group reporting and FP&A |
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| M&G plc Delivery Lead, IFRS 17 Methodology |
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| Aviva IFRS 17 Technical and Methodology Lead |
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| State Street Product Owner and Solution Architect, investment accounting data platform |
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| Phoenix Group Finance System and Process Integration Lead |
Each of these was a discrete contract engagement undertaken through the practice's own limited company, and more than one has run concurrently.
Prior in-house and practice roles
| Lloyds Banking Group Head of Investment Accounting and Tax |
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|---|---|
| Phoenix Group Head of Investments Accounting and Reporting |
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| Phoenix Group Head of Financial Reporting Development |
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| EY Assistant Manager to Senior Manager, Audit and Assurance - Edinburgh |
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| EY Audit trainee to Assistant Manager, Assurance - Kolkata |
Corporate history
One practice, successive corporate vehicles.
The practice began trading in 2016 and has operated continuously since. The legal entity through which it contracts has changed over that period; the practice, its principal and its client base have not. All records below are publicly filed at Companies House.
Agarwal & Associates Limited
Company no. 09922377
| Incorporated | 18 December 2015 |
|---|---|
| Closed | 23 December 2025 |
| Nature of business | 70229 - Management consultancy activities other than financial management |
| Registered office | 123 Eastcote Road, Pinner, HA5 1ET, United Kingdom |
| Web | agarwalco.com |
Finance Change Advisory Limited
Company no. 11591137
| Incorporated | 27 September 2018 |
|---|---|
| Nature of business | 62020 - Information technology consultancy activities 69201 - Accounting and auditing activities |
| Registered office | 123 Eastcote Road, Pinner, HA5 1ET, United Kingdom |
| Web | financechangeadvisory.com |
FinBrick Consulting Limited
Company no. TO ADD: company number once incorporated
| Incorporated | TO ADD: incorporation date |
|---|---|
| Nature of business | 70229 - Management consultancy activities other than financial management |
| Registered office | TO ADD: registered office |
| Web | finbrickconsulting.com |
Domains
Where to find the practice.
The practice maintains its web presence across the domains associated with each of its trading identities. All resolve to this site.
| agarwalco.com | Founding practice identity, 2016–2025 |
|---|---|
| financechangeadvisory.com | Current contracting entity |
| finbrickconsulting.com | Practice brand going forward |