Pricing innovation for mortgages The case for value-based pricing

Urval Goradia

Urval, Deloitte Services LP, is a senior market insights analyst at the Deloitte Center for Financial Services. Urval researches and writes on a broad range of themes in banking and capital markets, including strategy, risk, and regulation, with a specific focus on performance imperatives. Before joining Deloitte, he was a credit analyst covering financial institutions at the Fitch Group. Goradia is a CFA charter holder.

Val Srinivas

Research Leader, Banking & Capital Markets

Val Srinivas is the banking and capital markets research leader at the Deloitte Center for Financial Services. He leads the development of our thought leadership initiatives in the industry, coordinating our various research efforts and helping to differentiate Deloitte in the marketplace. He has more than 20 years of experience in research and marketing strategy.

Steve Fromhart

Manager | Deloitte Services LP

Stephen Fromhart, Deloitte Services LP, is a manager at the Deloitte Center for Financial Services covering the banking and capital markets sectors. Prior to joining Deloitte, he directed a research and strategy group covering multiple industries, which included leading a specialized sub-unit that conducted sovereign risk analysis. Steve earned his Master’s from the School of International and Public Affairs at Columbia University and has contributed to white papers for the World Economic Forum.