Every November or so, Bajaj Finance’s senior leadership lets loose by travelling to places like Kodaikanal or the Himalayas, trekking over rocky outcrops, and “tearing their company apart”. 

“Ruminate”, as the non-banking financial company’s retreat is dubbed, is somewhat of an annual ritual. For the first day, CEO Rajeev Jain books a hotel banquet hall, and the entire team sits knee to knee on the floor. They have one goal: red-teaming. 

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